The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com

The Ramsey Show

George Kamel & Jade Warshaw answer your questions and discuss:

 "Should I quit van life and sell my van to use as a down payment?",

Jade & George share their monthly subscriptions and how they budget for them, 

from the website: 5-Minute Coverage Checkup


How to save for retirement when self-employed, 

from the blog: 5 Investing Options for Self-Employed People


"I have major storm damage to my house from a landslide and don't know if I should finance the repairs,"

"I'm $80k in debt and feel completely lost on how to get out of this," 

How to know if you should quit a commission job if you're not making enough income.


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Don't Let Subscriptions Own You (Hour 1)

George Kamel & Jade Warshaw answer your questions and discuss:

 "Why should I pay off my mortgage instead of keeping money in my CD?", 

"Should I pay off my fiancée's debt with my savings?", 

How doing the math on student loan payments proves that making larger payments now benefits you in the long run, 

"What should I be doing to set up my kids for a successful financial future?", 

How to decide if you should sell your car to get out of debt, 

"We have $360k in student loans and don't know if we should use profits from the sale of our home to pay them off."


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Ignorance Is Not Bliss, It's Broke! (Hour 2)

George Kamel & Jade Warshaw answer your questions and discuss:

 "I was told to pull from my 401(k) to let other people invest it for me. Is this a good idea?",

How to start investing,

from the blog: How to Invest Money in 5 Simple Steps


What to do when paying off debt and you get laid off,

from the blog: How to Budget After a Job Loss


Why trying to play the credit game is "mind numbingly stupid,"

"Should we borrow from our Roth IRA to pay off my house?",

from the blog: Should I Take Money Out of My IRA to Pay Off Debt?


Why paying for rental property with cash is better than a loan,

from the blog: How to Invest in Real Estate



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I'm Scared You're Falling For A SCAM! (Hour 3)

Jade Warshaw & George Kamel answer your questions and discuss:

 "Can we afford to let my wife quit her job to be a stay at home mom?",

Why going further into debt isn't the answer to get out of debt, 

from the blog: What Is a 401(k) Loan? And How Does It Work?


"How do we get back on the Baby Steps after getting hit hard the last 2 years?", 

How intense you should be about paying off your mortgage when you still have consumer debt.


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That's Triple Stupid! (Hour 1)

Jade Warshaw & George Kamel answer your questions and discuss:

 Why you should always make sure you have the proper coverage for your vehicle and family that drives them,

from the blog: Protect Yourself With The Right Coverage


"What should I do with money I saved for school now that I got a full ride scholarship?", 

How TurboTax cheated millions of people, 

from the The Fine Print Podcast with George Kamel: How TurboTax Is SCREWING You


"Should I sell my house to be completely debt free after a divorce?",

from the blog: Finances After the Unexpected: Divorce, Remarriage, and Death


"How do we get out of $50k of debt with low income?", 

from the blog: How to Get Out of Debt on a Low Income



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You Need A New Picture Of What Life Will Look Like (Hour 2)

Jade Warshaw & George Kamel answer your questions and discuss:

 "We're getting kicked out of my grandpa's retirement community and we don't know if we should rent or buy," 

from the blog: Should I Rent or Buy a House?


Why it's important to share the same financial values with your significant other, 

"Should I insure my engagement ring?", 

from the blog: How to Buy an Engagement Ring: 5 Tips


How to financially prepare for a layoff, 

"Should we move away from family so we can afford a house?", 

from the blog: How Much House Can I Afford?


The best ways save for upcoming medical expenses.


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If You're Not Financially Ready, It's Not The Right Time (Hour 3)

George Kamel & John Delony answer your questions and discuss:

 "How do I stay out of debt for good?", 

from the blog: How to Pay Off Credit Card Debt


"When does saving money and living with my parents become crutch?",

"Should we sell our house to pay off debt?",

"How do I start investing to create a stable financial future?", 

from the blog: How to Start Investing: A Beginner's Guide



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You Have To Beat Your Spending Addiction (Hour 1)

George Kamel & John Delony answer your questions and discuss:

 "How do I explain to my wife that the risk isn't worth the reward with credit cards?", 

from the blog: Living Without a Credit Score 

from The Fine Print Podcast with George Kamel: The Dirty Truth Behind Your Credit Score


How to increase income as a single mother that can't make ends meet, 

from the blog: How to Increase Your Income


Why you turn off social media and stop worrying about the world burning down around you, 

"My girlfriends debt is having a negative impact on our relationship".


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How Can I Do All Of This AND The Dishes? (Hour 2)

George Kamel & John Delony answer your questions and discuss:

 "Should I take out student loans so I can make a career change?", 

"My husband keeps lying to me about our financial situation", 

from the blog: Overcoming Financial Infidelity


How to decide about selling your house when moving,

"Should we continue living with family when there's major tension between my wife and my mom?", 

What to do when parents are stealing money from their kids. 


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This Is REAL Bad! (Hour 3)

Jade Warshaw & John Delony answer your questions and discuss:

 "How do we prepare to be on a single income?", 

from the blog: How to Make a Budget: Your Step-by-Step Guide


How do prepare for marriage when your on different Baby Steps, 

"How do I stick to my debt payoff plan when friends and family don't agree with my plan?", 

What to do when you have a good job but want to go back to school for a career change,

"I was in Baby Step 4 then went back in debt $60k - how do I get out of this?",


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He Doesn't Want To Pay His Fiancée's Debt?! (Hour 1)

Jade Warshaw & John Delony answer your questions and discuss:

 "How do I make a budget off commission?", 

from the blog: How to Budget With an Irregular Income


When to know if it's time to sell your business, 

The inspiring story of a social worker and a civil engineer that didn't give up on their Debt Free Journey,

What to do when deciding if you should keep or sell family land.


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It Takes Time To Build Trust (Hour 2)

Jade Warshaw & John Delony answer your questions and discuss:

 "Should I buy land to live in a camper during college?",

5 Signs That You'll Never Be Rich,

from the blog: How to Build Wealth at Any Age


Why you should keep business savings and personal expenses separate, 

from the blog: Best Small-Business Bookkeeping and Accounting


"Should I sell my car and buy a cheaper one with cash?",

from the blog: How to Sell a Car



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You've Got A Willy Wonka Ticket To Your Future! (Hour 3)

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

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Our Favorite Calls of 2023 (Part 1)

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

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Our Favorite Calls of 2023 (Part 2)

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

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Our Favorite Calls of 2023 (Part 3)

Ken Coleman & John Delony answer your questions and discuss:

 "Should I go to college for business if I already have a business?"

How you don't always need a degree to have a high-paying job,

from the blog: 25 High-Paying Jobs That Don't Require a 4 Year Degree


"We're expecting our 2nd kid and don't know how to get out of debt",

How you and your spouse can get on the same page about paying off debt,

from the blog: How To Talk To Your Spouse About Money


"My roommate is moving out and I don't think I can afford my house",

How to find another job in the technology field to increase your income,

from the blog: BethelTech.net/KenColeman



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Higher Pay Doesn't Always Require A Degree (Hour 1)

Ken Coleman & John Delony answer your questions and discuss:

 "How do I pay for college for 9 kids?", 

from the blog: 10 Ways to Pay for College


from the store: Foundations in Career Discovery


Why your credit score is a bad indicator for true wealth,

"I loaned $25k to my brother and his girlfriend and they won't pay me back",

from the blog: Should You Ever Loan Money to Family?


"Is it ethical to have two remote full-time jobs at the same time?"


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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Join a Personality-led FPU class. Click here!
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What Kind Of Boyfriend Have You Been To Debt? (Hour 2)

Ken Coleman & John Delony answer your questions and discuss:

 "How do my wife and I get on the same page with our spending habits?",

What to do when feeling lonely at work,

from the blog: How to Deal with Loneliness


When it's beneficial to change degrees to reach career goals faster,

"The dealership told me it's cheaper to finance through them than to pay cash",

from the blog: How to Buy a Used Car Right Now


"My girlfriend has high expectations for a house - how can I afford this?",

from the website: Ramsey Mortgage Calculator



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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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You Don't Even Know What Page You're On! (Hour 3)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

 "My fiancée's father unfairly put a lien on her car",

Saving for retirement on an irregular income,

Pulling money from stocks to pay off the house,

from the blog: Should I Use My Investments to Pay Off Debt?


"How do I avoid feeling embarrassed when people judge me for living below my means?"

The best way to get out of debt,

"Should I use my emergency fund to pay off my house?"


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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Quit Playing Footsie With the Brokerage Funds! (Hour 1)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

 "How can I help my foster son make better financial decisions?"

Why the pause on student loan repayments actually caused borrowers to go into even more debt,

the study: The Student-Loan Payment Pause Led Borrowers to Take on More Debt,

How to manage money well in retirement.


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How Pain Deferred Is Actually Pain Amplified (Hour 2)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

 "My husband spent $2k on golf clubs behind my back",

Dealing with a gambling addiction,

Budgeting for meals when traveling for work.


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Your Husband Is Acting Like a Selfish Five-Year-Old! (Hour 3)

Dave Ramsey & Ken Coleman answer your questions and discuss:

 "My wife and I disagree about what to do with profits from a rental",

"I'm 16-year-old and will make $100k next year; how should I use it?"

"How should I use my bonus check?"

Selling the house to pay off debt,

from the blog: Should You Sell Your Home to Knock Out Debt?



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Quit Running a Race With Ankle Weights On – Pay Off Your Debt! (Hour 1)

Dave Ramsey & Ken Coleman answer your questions and discuss:

"Should I study software engineering even with advancements in AI?"

"Where should I keep my emergency fund?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"How can I expand my business?"

"I used a personal loan to pay off my home",

"How do we pay for grad school without debt?"


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How AI Is Going To Change the Way We Work (Hour 2)

Dave Ramsey & Ken Coleman answer your questions and discuss:

 "I'm doing the work of 2 people and feel like I deserve a raise..."

"Can I buy a car while paying off debt?"

"Should I change careers just to get a pension?"

Using savings to pay off debt,

Moving for a new job with a promotion.


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You’re Not Scared Enough of Your Debt Yet (Hour 3)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"How much should we save for a future home?" 

"What should we do with our tax return?"

from the blog: What Do I Do With My Tax Refund?


"Help me decide my business model for my food business",

Why you shouldn't pull from your 401(k) to pay off debt,

from the blog: Should I Use My Investments to Pay Off Debt?


Saving for a home down payment,

What to do with your savings,

Budgeting as a new college graduate.


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Don’t Do the Baby Steps Out of Order – They Work This Way! (Hour 1)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"I'm $500k in debt after buying a farm",

How Dave was right about his 2023 real estate market predictions,

"What do I do with the proceeds from my house?"

Managing unexpected home repairs.


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Are Dave’s 2023 Real Estate Prediction Coming True? (Hour 2)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

 "Should we sell our house to make ends meet?"

Whether or not an adult child should pay for their own insurance,

"How much should I save before getting my Ph.D.?"

"We were given land as a gift, what do we do with it?"

"Does paying off a house prevent financial aid for college?"

Accounting for property tax increases in your budget.


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We Can’t Seem to Make Ends Meet (Hour 3)

Dave Ramsey & George Kamel answer your questions and discuss:

 Repairing a car vs. replacing it,

from the blog: Is Your Car Worth Repairing? Or Should You Replace It?


Dr. Jordan Peterson on vision and why it's the #1 thing people should be focusing on right now,

"Should we have a birthday party for our kids while paying off debt?"

"Is rental property enough for retirement or should we also invest elsewhere?"

from the blog: How to Invest in Real Estate.


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Jordan Peterson on the #1 Thing People Should Focus On (Hour 1)

Dave Ramsey & George Kamel answer your questions and discuss:

"I'm bitter after my husband took out a HELOC",

Dave's thoughts on modern tipping culture,

"Should I pause paying off debt to pay for my son's school?"

How automating your savings and investing will help you win with money.


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Dave’s Feelings About Modern Day Tipping Culture (Hour 2)

Dave Ramsey & George Kamel interview millionaires to find out how they did it!

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Becoming a Millionaire Is Possible and Anyone Can Do It! (Hour 3)

George Kamel & Dr. John Delony answer your questions and discuss:

"Should I quit my high paying job that requires travel?"

Making fun of finance guru influencers,

"I spent way too much on your car..."

"How do I talk to my wife about taking another job",

"What should I do with a work bonus?"


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I Overspent on a Car Behind My Wife’s Back (Hour 1)

George Kamel & Dr. John Delony answer your questions and discuss:

"Help! I'm in debt and Reddit told me to call Dave Ramsey..."

What to do after you get out of debt,

"Should I invest in Pokémon cards?"

"How do we stay encouraged when we keep getting knocked back in the Baby Steps?"

Why you shouldn't do any additional investing outside of retirement until your house is paid off.


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I’m in Debt & Reddit Told Me To Call The Ramsey Show... (Hour 2)

George Kamel & John Delony answer your questions and discuss:


 "My wife doesn't trust me with our finances",

What having financial freedom can provide when things go wrong in life,

"I don't know what to do about my financial future",

"Should I take a pay cut for a more exciting job?"


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Stop Coming Up With Schemes To Get Your Way! (Hour 3)

George Kamel answers your questions and discusses:

"How do I prepare to move out on my own?"

Pausing Baby Step 2 during lower income periods,

Financially preparing for marriage,

The best side hustles to make extra money right now

from the blog: 27 Side Hustle Ideas to Earn Extra Cash,

"Is it worth taking a job with a long commute?"

"How do I pay my debts that are in collections?"


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The Best Side Hustles To Make Extra Cash Right Now (Hour 1)

George Kamel answers your questions and discusses:

Getting out of the credit card trap,

"Should I pay off all my debt before buying a house?"

"What's the best way to save money online?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"What's the best way to give my sister money?" 

"Should I pay off personal debt with business earnings?

Selling the car vs. keeping it.


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I’m Caught in the Cycle of Debt With $140 to My Name (Hour 2)

George Kamel answers your questions and discusses:

"Does everyone need life insurance?"

What to do after selling a business,

Why you should stay away from the "gold bros",

Selling a house to by a RV,

Going back to school while paying off a mountain of debt


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Why You Should Avoid the “Gold Bros” (Hour 3)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

How do I start investing my money well?

Paying for grad school,

Employee stock purchase plans,

Should I build back my credit after filing bankruptcy?


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How Do I Start Investing Well? (Hour 1)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

Should we buy a bigger house or use a HELOC to add on?"

"What should I do with an old 401(k)?"

from the blog: 401(k) Rollovers: Everything You Need to Know,

"Pausing investing to cash flow a new HVAC?"

Should we pay someone to manage our investments?


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QUIT Making Yourself a Victim of Inflation Using Debt! (Hour 2)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"Should I go to law school and if so how should I pay for it?"

How much buffer to keep in your checking account,

"Can we pull from retirement for home renovations?"

"My wife is opposed to budgeting... how do I address this?"

"We're expecting quintuplets! How do we prepare?"


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Pulling Out Your Retirement for a Home Reno Is DUMB! (Hour 3)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"We called off our engagement. How do I handle the bills?" 

Working the Baby Steps after getting laid off,

from the blog: What to Do if You’re Laid Off,

"What should my fiancé and I do with our homes when we get married?"

Pausing investing while saving or a house,

How long to stay at a company with bad leadership.


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Handling Messy Money Situations (Hour 1)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

Why it's hard to pay off debt if you don't combine finances in marriage,

How the debt ceiling debacle affects you,

What to do with an insurance payout from a wife's passing,

"Should I help my girlfriend with her expenses?"


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How the Debt Ceiling Affects Your Money (Hour 2)

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"Can I afford to be a stay-at-home mom?" 

Teaching a 16yo about handling their money,

"My brother is whispering in my ear about investing in CDs",

The debt snowball vs. debt avalanche methods,

"We feel unsafe in the house we just bought. Should we move?"


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Are CDs a Good Investment in This Market? (Hour 3)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Can I be a stay-at-home mom with $240k of debt?"

Why you shouldn't take your time getting out of debt,

Making it as a single mom after a divorce,

"Can we afford to buy a new car?"


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Your Plan Sucks… I Don’t Want To Be Insulted by Your Abject Failure (Hour 1)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should we buy an investment property before our own home?"

"I feel guilty spending money on fun things"

"How much should we throw at our mortgage?"

Helping parents with their finances.


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Should We Buy an Investment Property Right Now? (Hour 2)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

Updating your home and investing,

"Should we sell property we bought with a HELOC?"

"When should I tell my boss I'm moving?

"Wait until I retire to pay off my house?"

Does an employer match count for my 15%?

"I'm about to inherit $1 million..."


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Should We Sell Property We Bought With a HELOC? (Hour 3)

Dr. John Delony & George Kamel answer your questions and discuss:

"I'm in debt and just lost my job",

"My house is a money pit; what can I do?"

"Should I accept student loan forgiveness?"

Using a HELOC,

"I'm 59 years old and have no retirement"


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I’ve Had Enough of My Debt and I’m Ready for a Change! (Hour 1)

Dr. John Delony & George Kamel answer your questions and discuss:

"We're out of work and our creditors won't work with us"

"What's the best way to build a new home?"

"Should I put 40k into my house?"

"Can I turn $100k into $1m?"

"Should I rent my house out or sell it?"


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When It Comes to Building Wealth, Be the Tortoise, Not the Hare (Hour 2)

Dr. John Delony & George Kamel answer your questions and discuss:

"I feel resentful of my husband",

"Should I get a HELOC for a new septic system?"

"My mom is asking me for money even if I have to go into debt",

"What should I do with my crypto investments?"


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A Crappy Situation Involving a Septic System & a HELOC (Hour 3)

George Kamel & Dr. John Delony answer your questions and discuss:

"Should I move back in with my parents to go to school?"

Tipping screens on self-checkout machines,

"How can I earn passive income while pursuing a career in the arts?"


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Are Tipping Screens Emotional Blackmail? (Hour 1)

George Kamel & Dr. John Delony answer your questions and discuss:

"Should we still pay off our house if we're planning to move?"

from the blog: How to Pay Off Your Mortgage Early,

"How do I get my wife on board with the Baby Steps?"

How sports betting is the new oxycontin,

"Should I start an e-commerce business to get out of debt?"


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Paying Off Your House Is a Great Forced Savings Plan (Hour 2)

Dave Ramsey & Dr. John Delony answer your questions and discuss:
 

"My employer requires that I use credit cards",

"Sell a paid off vehicle to pay off another vehicle?"

Living paycheck-to-paycheck vs. having a zero-based budget,

from the blog: How to Create a Zero-Based Budget,

" I'm having to pause my investing, what do I do?"

"Fiancee and I are $180k in debt"


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My Employer Requires That I Use Credit Cards (Hour 3)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

"Should I move to be closer to my son?" 

Here are the facts about the bank failures and why fear is contagious,

"My husband and I disagree on buying a new car",

How to handle debt in collections,

from the blog: How to Deal With Debt Collectors When You Can’t Pay



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Here Are the Facts About the Bank Failures (Hour 1)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

Teaching kids to manage money well,

"Should I pay off my house early even if I have a low interest rate?"

"My father-in-law keeps asking to borrow money"

"My ex-wife doesn't want to sell the house"


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Pay Off My House Early Even if I Have a Low Interest Rate? (Hour 2)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

"Should I buy into my company?"

Dealing with a relative who is aggressively pro-debt,

"I'm scared to invest in the stock market",

How much to spend buying a house in cash.


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You Can’t Change Your Relative’s Mind (He’s a Professional Doob) (Hour 3)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"We're $900k in debt",

"When can we afford to buy a third rental?"

from the blog: How to Invest in Real Estate,

"Should I invest in my employer's 401(k) or a Roth IRA?"

from the blog: How to Plan for Retirement,

"I'm 10k upside down on my car",

"Should I sell my condo to save for a house?"

"Take out a loan to get by for the next two years?"


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Can We Afford an Investment Property? (Hour 1)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

Helping an adult child with emergency medical bills,

Knowing when it makes sense to refinance a mortgage,

from the blog: Should I Refinance My Mortgage?


Trying to sell a camper to family,

"Should I buy a new car of pay off my house?"


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When Does It Make Sense To Refinance Your Mortgage? (Hour 2)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should my brother take over dad's finances?"

A high school senior who breaks U.S. record with 125 college offers, $9 million in scholarships,

from the blog: Break the Chains of Student Loans,

"I'm scared of buying a house..."

"Should I pay off student loans or put money in a high-yield savings account?"


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Navigating Money and Family (Hour 3)

Dave Ramsey & George Kamel answer your questions and discuss:

Saving for a house during the Baby Steps,

from the blog: How to Save for a House,

Going on a family trip while paying off debt,

How the Fed raising interest rates affects your money,

"Is it fair for me to ask my wife to help pay off my debts with me?"

Dealing with a convoluted estate from a deceased relative,

"Should I invest in mutual funds or real estate?"


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What the Fed Raising Rates Means for Your Money (Hour 1)

Dave Ramsey & George Kamel answer your questions and discuss:

"Can I use a HELOC as my primary mortgage?" 

How to budget commission checks,

from the blog: How to Budget With an Irregular Income,

"I'm 59 years-old with $258k in student loans",

"Should I pay off the house if I'm about to get married?"


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How To Budget on Irregular Income (Hour 2)

Dave Ramsey & George Kamel answer your questions and discuss:

"I make six figures and live paycheck-to-paycheck",

"Should we take higher-paying jobs we enjoy less to pay for our kids' school?"

Moving to be closer to a job,

"I enjoy my job but have an offer that pays more"

Buying a car.


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I Make Six-Figures but Live Paycheck-to-Paycheck (Hour 3)

George Kamel & Rachel Cruze answer your questions and discuss:
 

"I feel guilty about my line of work; should I look for another job?"

"Should we sell our house and live in a camper?" 

Selling a rental property to pay off the house,

"Pay off student loans or invest with my savings?"

"Can I use a virtual debit card to pay off a bill in collections?"

"Should we build a house now or save up more?"


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Should We Sell Our House and Live in a Camper? (Hour 1)

George Kamel & Rachel Cruze answer your questions and discuss:
 

"What should I do with inherited homes?"

Why home ownership will make you wealthy (when you're ready),

"Where should I put extra savings?"

from the blog: What Is a High-Yield Savings Account and Do I Need One?


"Should I pause retirement to refill the emergency fund?"

Buying a fixer-upper vs. move-in-ready home.


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Why Home Ownership Will Make You Wealthy (When You’re Ready) (Hour 2)

George Kamel & Rachel Cruze answer your questions and discuss:
 

"Should I increase my emergency fund for inflation and potential layoffs?"

"How do I start investing at a young age?"

"I'm $200k in consumer debt. Should I declare bankruptcy?"

"Put my TSP in a Roth or traditional account?"

"Should we use some of our emergency fund for investing?"

"My mom gifted me my sister's car but still wants me to make payments..."


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How Do I Get Started Investing and Building Wealth? (Hour 3)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I take a partial lump sum when I retire?"

"I'm debt free but feel guilty spending money",

Student loan repayments resuming soon,

The best options to grow wealth.


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I Feel Guilty Spending Money Even Though We’re Debt-Free (Hour 1)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"How do I set myself up for success?"

Stay away from the new Aven credit card (aka HELOC),

"Is this real estate deal too good to be true?"

Where to save for college.


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Are You Going To Lose Your House Over a Steak You Put On Credit?! (Hour 2)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I go directly into business or get a degree first?"

Why you need to slow down and focus when starting a business,

"We're living in a camper with 2 kids and a dog..."

"My investments are shrinking, what can I do?"

"Taking out a personal loan to fix the car"


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This Is an ADD Plan… You Need To Focus! (Hour 3)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"What should I do with $100k in savings?"

Tips for first-time home buyers,

"Do I make enough working at a non-profit?"

Doing an interest-rate buy-down,

"How much of our inheritance do I owe my sister?"

"Should we use our house as a rental when we move?"

"Our homeowner's insurance went up $4k! "


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Tips for First-Time Home Buyers (Hour 1)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"I lost my dream car on a game show!"

"How should I invest if I want to retire early?"

"Where does my HUD loan fit in the Baby Steps?"

"What are my next steps after my wife died?"

"What should I do with $125K in the bank?"

"Is our rental holding us back?"

"Which retirement option is best for me?"


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Investing To Be Able To Retire Early (Hour 2)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Is a 529 always the best option?"

"Should I go into debt to buy a car?"

"How can we catch up on investing?"


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It’s Not a Dream Car if You Have To Go Into Debt for It (Hour 3)

Rachel Cruze answers your questions and discusses:

"Should we put money into my father's house or save for our own house?"

"How should I budget money I make from surrogacy?"

Knowing which debt to tackle next,

 from the blog: How the Debt Snowball Method Works,

Are we heading toward a recession?

"Is debt-consolidation the right option for us?"

from the blog: What Is Debt Consolidation?



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Are We Heading Toward a Recession? (Hour 1)

Rachel Cruze and her husband, Real Estate expert Winston Cruze answer your questions and discuss:

How real estate investing is awesome but it's not "passive" income,

from the blog: How to Invest in Real Estate,

"Are quadplexes a good investment?"

"I have $250k to invest; should I buy real estate or other investments?"

The riskiness of multi-family investment groups,

"How do I best invest the profits of a house sale?"


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Real Estate Investing Is Hard Work, Not “Passive Income” (Hour 2)

Rachel Cruze answers your questions and discusses:

"Should we buy land before or after leaving the military?"

Paying extra on the house vs. saving for a new house,

from the blog: How to Pay Off Your Mortgage Early,

Travel spending: what conveniences are worth it?

from the blog: Travel Hacks That Will Save You Money,

"How do I pay off credit cards I haven't paid on in years?"

"Pay off small loans first even if they have 0% interest?"

"Should we put our whole budget on autopay?"


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What if My Loans Have 0% Interest? (Hour 3)

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"How do I start my first budget?"

Why BNPL has a compounding effect of stupid,

"Can I afford to buy a 'fun' car right now?"

"We can barely make ends meet supporting our adult children"


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The Compounding Effects of Borrowing Money (Hour 1)

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"Should we pull from retirement to pay off the house?"

Why you shouldn't get a loan to buy a mobile home for a rental,

Jade & Rachel share their own personal budget busters,

Getting a masters degree.


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Jade & Rachel Share Their Own Personal Budget Busters (Hour 2)

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"Should I leave my teaching career?"

"Should we move to a different school district for my son's wrestling team?"

"I'm feeling stuck and can't get out of debt"

"Should we invest the settlement from a car accident?"

Selling the house to pay off debt faster.


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What To Do When You Feel Stuck in Debt (Hour 3)

Jade Warshaw & George Kamel answer your questions and discuss:

Struggling to get ahead working the baby steps,

Why you should get out of debt quick, and get rich slow(ly),

"Should I buy a car next year?"

"Do my HOA dues violate the Baby Steps?"

"Should I get a HELOC to add-on to my house"

from the blog: HELOC: What Is a Home Equity Line of Credit?



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Get Out of Debt Fast, Get Rich Slow! (Hour 1)

Jade Warshaw & George Kamel answer your questions and discuss:

"I'm drained and hate my job... can I afford to quit?" 

"Should I pay off my car lease or sell it?"

The danger of debit cards that claim to build credit,

Rolling over a 401(k) into a Roth,

"We're in a house we can't afford"


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Beware of “Debit” Cards That Claim To Build Credit (Hour 2)

Jade Warshaw & George Kamel answer your questions and discuss:

"Should I get variable universal life insurance?"

from the blog: Everything You Need to Know About Universal Life Insurance,

 Angry Morgan Wallen fan sends singer $4K bill for canceled show,

Teaching kids about the best way to save,

from the blog: How Do I Teach My Kids How to Save?


Pulling from retirement savings to pay off the house,

"Can we afford to go on vacation?"

"Are we dreaming too big?"


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What We Can Learn From an Angry Morgan Wallen Fan (Hour 3)

Dave Ramsey & Ken Coleman answer your questions and discuss:

Keeping or selling rental property,

"Should I use a Robo or A.I. investor?"

from the blog: Dave's Investing Philosophy,

The best way to go to flight school,

"Should I keep money in the S&P500 or put it in savings?"

"Is debt-consolidation a good idea?"

from the blog: What Is Debt Consolidation?



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Do You Want To Be King of the AirBnB or Have a Peaceful Life? (Hour 1)

Dave Ramsey & Ken Coleman answer your questions and discuss:

"I'm paying my parents a mortgage payment and it's uncomfortable",

"Should I invest in gold instead of my 401(k)?"

from the blog: Why Investing in Precious Metals Is a Bad Idea,

How do I start a Roth IRA?

from the blog: How to Start a Roth IRA,


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Gold Is Just a Rock That’s Yellow, Not an Investment (Hour 2)

Dave Ramsey & Ken Coleman answer your questions and discuss:

"Is our business ready to hire an apprentice?"

"How do I get my team to have a sense of ownership?"

"Some of our high producers are a bad culture fit"


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Why Is It So Hard To Hire Right Now? (Hour 3)

Dave Ramsey & George Kamel answer your questions and discuss:

"Should I pay off my house or keep the mortgage?" 

from the blog: How to Pay Off Your Mortgage Early,

"This is socialized mortgage (and it amounts to nothing)",

"Should I keep investing like I am?"

Saving for grad school while paying off debt.


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You’re Immune to Socialism if You Don’t Borrow Money! (Hour 1)

Dave Ramsey & George Kamel answer your questions and discuss:

Paying for emergency medical bills,

"Should I mortgage my rental properties?"

"How do I prepare for upcoming expenses?"

"Should I be concerned about de-dollarization?"


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How Do I Pay for Unexpected Expenses? (Hour 2)

Dave Ramsey & George Kamel interview millionaires to find out how they built wealth!

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Don’t Believe the Lies, You CAN Become a Millionaire (Hour 3)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

Refinancing vs. making aggressive mortgage payments

The importance of insurance,

"How do I get my spouse on board?"


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Should We Keep Making Aggressive Mortgage Payments? (Hour 1)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

" I feel bad for spending on our wedding"

Saving for college vs. paying off the house,

"We are scared to go into debt for a house"

"Should we update our house even if we move later?"


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What Should We Be Saving Up For? (Hour 2)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

Preparing for an upcoming settlement,

"Should we use 529 to pay for private school or college?"

"How can I find a side hustle that pays well?"

"Should we buy a term life insurance that converts to whole life?"

Cashing out stocks to pay off student loans,

"We're struggling to feel like will we never get a house"


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Finding a Well-Paid Side-Hustle (Hour 3)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"My friends want me to go into business with them",

"The best way to save for a house",

"How do I grow wealth for retirement?"

"Should we be content with our current home?"

"Should I use my collector cars as an investment?"


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How Do I Build Wealth for Retirement? (Hour 1)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"We're in a financial mess, what can we do?"

"Should I use a debt consolidation loan?"

Pay off the house vs. investing,

"How should I use my signing bonus?"

"Should I pay off my $70,000 camper?"

Selling stocks to pay off debt.


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We’re in a Financial Mess… (Hour 2)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I invest less to pay more on my house?"

"Renters stopped paying rent; is this our fault?"

Saving up for a rental property,

"Should I drop out of college to take a job?"

"My boss offered to sell me the company"


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What To Do When the Renters Don’t Pay (Hour 3)

George Kamel & Jade Warshaw answer your questions and discuss:

"I can't afford my apartment and don't know what to do", 

Why John Cena's daily driver is a Honda Civic,

Pausing investing to pay for kids' college,

"Should I use my savings to pay off my house?"

A gambler describes his cycle of taking out debt to pay off more debt.


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It’s Impossible To Borrow Your Way Out of Debt (Hour 1)

George Kamel & Jade Warshaw answer your questions and discuss:

"Should we get a prenup?"

"I'm scared to have $1000 emergency fund",

The bleak financial state of most Americans (and why there is hope),

Paying off a townhome vs. saving for a new house,

How kids should handle their money.


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There’s a Glaring Problem in Your Budget (Hour 2)

George Kamel & Jade Warshaw answer your questions and discuss:

"I feel overwhelmed trying to save for retirement",

The new federal housing rule that rewards financial irresponsibility,

Buying precious metals,

Saving to be able to travel.


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The New Federal Housing Rule Rewards Financial Irresponsibility (Hour 3)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

"Should I move after losing my job?" 

Taking out a HELOC for a downpayment,

"Should I use all my savings pay off debt?"

What to do about urgent vehicle repairs,

Moving to be closer to kids.


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I’m Begging You Not To Do This! (Hour 1)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

Taylor Swift was the only celebrity to walk away from an FTX endorsement deal,

"My boyfriend is too attached to his parents and I'm getting bitter",

"How can I prevent my mom's home foreclosure?"


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How Taylor Swift Saved Herself From a Massive Crypto Lawsuit (Hour 2)

Dave Ramsey & Dr. John Delony answer your questions and discuss:

"What kind of loan should I use to buy a piece of property?"

"Student question: How can I be confident going out into the real world after graduation?"

"Can we use emergency fund to buy new car?"

Using an IRA vs. TSP,

"Should I take a cash offer for my house instead of using an agent?"


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This Dream Will Become a Nightmare (Hour 3)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I buy a backup vehicle for my job?"

"Taking out a HELOC to repair the roof",

from the blog: HELOC: What Is a Home Equity Line of Credit?


Getting out of debt while preparing for marriage,

Borrowing against one property to buy another,

"I make a lot of money but have no retirement"


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Don’t Let Your Inner Drama Queen Control Your Investing! (Hour 1)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

What to do if you can't get traditional life insurance, 

Why borrowing money for your employer match through Lendtable is a terrible idea,

What should I do with money in savings?

"Should I help my son purchase a home?"

"Is our long-term care insurance still worth it?"


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Stupid-Butt Stuff (Like Lendtable) Makes You Broke! (Hour 2)

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I pay off a reverse mortgage for my father-in-law using 401(k) money?"

"Should I buy a second home to be near my boyfriend?"

Pulling from a brokerage account to pay off debt,

"How do I stop living below the poverty line?"


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Reverse Mortgages Are From the Pit of Hell (Hour 3)

Dave Ramsey & Ken Coleman answer your questions and discuss:

"My post-college plans just fell apart",

Making a side-hustle full-time,

Splitting property taxes with family members,

Using employee stock options to pay off a home,

"We're millionaires but we're still renting"


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The Ramsey Show

Ramsey Network - ramseysolutions.com

Latest episode: Fri Jun 02 2023