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

George Kamel & Dr. John Delony discuss:

Counseling young family members after a tragic death,

How to help without enabling,

Planning for the future,

How to improve your budget.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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How Do I Help Without Enabling? (Hour 1)

George Kamel & Dr. John Delony discuss:

Buying a house that you've been renting,

Going back to school for a MBA,

Paying off student loans vs. buying a house.


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Should We Buy a House or Keep Renting? (Hour 2)

George Kamel & Dr. John Delony discuss:

Finding out how much you owe on a debt,

Moving for an internship,

Dealing with a stolen identity,

The best way to buy a car right now.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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Dealing With a Stolen Identity (Hour 3)

Dave Ramsey & Rachel Cruze discuss:

How to place investments,

Why VA loans aren't a good idea,

How to know if you're doing too much while paying off debt.


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Are Home Prices Starting To Fall? (Hour 1)

Dave Ramsey & Rachel Cruze discuss:

Dealing with the fallout of grandparents who never paid taxes,

Investing a full 15%,

Pulling from investments to pay off a house.

Changing jobs to get out of a nightmare commute situation.


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My Grandparents Have Never Paid Their Taxes (Hour 2)

Dave Ramsey & Rachel Cruze discuss:

Balancing generosity with getting out of debt,

What it means to be house poor,

Whether or not to take an offer for a farm.


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We’re House Poor… What Do We Do? (Hour 3)

Ken Coleman & Rachel Cruze discuss:

Selling a business,

Using a loan to pay off credit cards,

The baby steps,

What to do when you've bought too much house.


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Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Ken Coleman & Rachel Cruze discuss:

Making the jump to owning your own business,

Paying off a HELOC,

Staying in a job vs. going back to school,

Selling a house to pay off debt,

Preparing for a reduction in income.


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Should I Quit My Job and Go Back to School? (Hour 2)

Ken Coleman & Rachel Cruze discuss:

Where to put your money when you don't trust the government,

Finding your dream job,

Choosing a side-hustle while overseas,

Avoiding universal life insurance,

The best order to pay 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

I Don’t Trust the Government… Where Should I Put My Money? (Hour 3)

George Kamel & Kristina Ellis discuss:

What a 17-year-old should do with money from a job,

When is the right time to buy a house,

Going to back to school to advance a career,

What to do with extra income,

Continuing to invest after retirement,

Paying off the house vs. buying a car,

Buying a car without going into debt.


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Is Now a Good Time To Buy a House? (Hour 1)

George Kamel & Kristina Ellis discuss:

Selling a house,

Getting on the same page with your spouse about money,

What to do with savings during college,

Saving up for a house vs. moving in with family.


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 Wife & I Aren’t on the Same Page (Hour 2)

George Kamel & Kristina Ellis discuss:

Dealing with bills in collections,

The problem with building wealth using debt,

What to do with an inheritance,

Getting started with the baby steps,

Preparing to move out on your own.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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What’s Wrong With Building Wealth Using Debt? (Hour 3)

Dr. John Delony & George Kamel discuss:

Selling a car to pay off debt,

Owing the IRS $100k,

What to do when you bought too much house,

Dealing with a car scam,

Feeling like you'll never be able to afford a house.


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We Bought Too Much House… What Do We Do Now? (Hour 1)

Dr. John Delony & George Kamel discuss:

What to do when you're upside down on your car,

Dealing with financial infidelity in a marriage,

Buying a house with a bad credit score,

Cashing out stock to pay off debt.


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My Husband Is Spending Money Behind My Back (Hour 2)

Dr. John Delony & George Kamel discuss:

The first step to paying off debt,

Buying a home now vs. saving up cash,

The ethics of leaving your job for another,

Creating boundaries with family around money.


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Our Family Keeps Asking Us for Money (Hour 3)

Ken Coleman & George Kamel discuss:

How to save for unexpected expenses,

What to invest in as a 15-year-old,

Saving for a cross country move,

Getting on the same page as your spouse,

Switching jobs,

What to do after paying off debt,

How can I stop using credit cards.


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How Can I Stop Using Credit Cards? (Hour 1)

Ken Coleman & George Kamel discuss:

Buying rentals while in debt,

Finding purpose in work,

Should you sell your house,

Doing the Baby Steps out of order.


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Do Not Sacrifice Your Retirement To Send Junior Off to College (Hour 2)

Ken Coleman & George Kamel discuss:

Being $15k underwater on a car,

Deciding between job options,

What to do with the proceeds from a home sale,

Using retirement to fix a car.


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Don’t Let an Emergency De-Rail Your Debt Free Dreams (Hour 3)

George Kamel & Dr. John Delony discuss:

When you can afford to build a new home,

Focusing on education vs. paying off debt,

How to manage a multi-million dollar settlement,

Still worrying about money after becoming debt-free.


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How To Handle Anxiety Over Money (Hour 1)

George Kamel & Dr. John Delony discuss:

Buying a camper,

Purchasing a home when you're planning on moving,

Why you shouldn't switch Baby Steps 1 and 2,

How to save up for a home.


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How Should We Save for a Home? (Hour 2)

George Kamel & Dr. John Delony discuss:

Regretting a move across the country,

The feeling that you'll never get out of debt,

Developing a plan for a special needs child,

How much to spend on a honeymoon,

Moving during inflation.


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How Much Can We Spend on Our Honeymoon? (Hour 3)

Dave Ramsey & Kristina Ellis discuss:

Preparing for a child with special needs,

How to teach college athletes about money,

The best way to pay off student loans,

What to do with the profit from a home sale.


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How Do We Prepare for the Future? (Hour 1)

Dave Ramsey & Kristina Ellis discuss:

Trading in cars to pay off debt vs. keeping them,

How can I get a discount on my college tuition?

Saving up for a house vs. investing,

Moving for a job.


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How Can I Get a Discount on College Tuition? (Hour 2)

Dave Ramsey & Kristina Ellis discuss:

Cashing out mutual funds to pay off student loans,

Taxes on company stock,

What to do after you sell your home,

Whether or not it makes sense to move out of the country financially.


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Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Plan To Actually BE Rich Instead of Just Looking Rich (Hour 3)

Dave Ramsey & Ken Coleman discuss:

Whether or not to sell a house,

What to do with a large profit,

Buying a new (electric) truck.


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Your Dream Truck Might Be the Next DeLorean (Hour 1)

Dave Ramsey & Ken Coleman discuss:

How to increase your income,

Fighting discouragement,

Paying extra on your house,

When to give up on a career.


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Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Can I Increase My Income? (Hour 2)

Dave Ramsey & Ken Coleman discuss:

How to pick up the pieces financially after a spouse's death,

Quitting a job,

Selling your business,

Selling vs. renting out a home when you move,

How to think through being recruited for a new job.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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Should I Quit My Job? (Hour 3)

Dave Ramsey & George Kamel discuss:

Dealing with a family member who was left out of an inheritance,

What a young person should do with extra savings,

Paying for kids' school.


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What’s the Best Way To Save for the Future? (Hour 1)

Dave Ramsey & George Kamel discuss:

Selling a home by owner,

Multi-family investing,

How to handle an inheritance,

Staying motivated on your financial journey.


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Don’t Put Off Till Tomorrow What You Can Do Today (Hour 2)

Dave Ramsey & George Kamel discuss:

Whether or not to file for bankruptcy,

Selling land or building on it,

Student loan forgiveness.


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 Bankruptcy Our Only Option? (Hour 3)

Dr. John Delony & George Kamel discuss:

How much to spend on an engagement ring,

The best way to start investing,

Saving for a house vs. investing,

Saying no to a bad idea from a father-in-law.


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How Do I Tell My Father-in-Law I Think His Scheme Is Crazy? (Hour 1)

Dr. John Delony & George Kamel discuss:

Getting a spouse on board with the baby steps,

When it's time to get your own place,

Pausing getting out of debt to save for a wedding,

Taking a job that you enjoy more but that pays less,

Renting vs. buying,

Thoughts on buying a newer more reliable car.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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Should I Buy a New Vehicle? (Hour 2)

Dr. John Delony & George Kamel discuss:

Buying vs. renting a home,

What to do with extra income,

Working the baby steps,

What to do after paying off debt,

Pausing Baby Step 2 for a wedding.


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)

Dave Ramsey & Dr. John Delony discuss:

2 consecutive quarters of negative GDP meaning we're in a (little baby) recession,

How to stay motivated after paying off the house,

The best way to invest without a 401(k),

Treating the symptom vs. the problem.


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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

You Make Too Much Money To Be This Broke! (Hour 1)

Dave Ramsey & Dr. John Delony discuss:

Feeling guilty about spending money on a wedding,

Investing the extra money from a raise,

The myth of a "forever home",

Why you should pay off your mortgage,

Buying a house from your parents,

Switching jobs when you have a 401(k) loan.


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

There’s No Such Thing as a “Forever Home” (Hour 2)

Dave Ramsey & Dr. John Delony discuss:

Whether or not you should pull from retirement to pay off your house,

Helping a struggling daughter,

How long you should stay in baby step 3b,

Selling your possessions when moving overseas.


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 We Pull Money From Retirement? (Hour 3)

Dave Ramsey & Ken Coleman discuss:

Switching to a job you love and making more money,

The timing of a career change,

Why you shouldn't be business partners with an ex-spouse,

Using an inheritance to buy a house (aka bachelor pad),

Is now a good time to invest in real estate?


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Tell Your Ex-Husband To Pound Sand! (Hour 1)

Dave Ramsey & Ken Coleman discuss:

Winning with money as a recent college graduate,

Changing careers,

How to land a job you love,

How much emergency fund you need,

The myth of a "stable" job.


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Why a “Stable” Job Is a Myth (Hour 2)

Dave Ramsey & Ken Coleman interview every day millionaires to find out how they built their wealth.

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Anyone Can Become a Millionaire… Here’s How (Hour 3)

Dave Ramsey & George Kamel discuss:

A convoluted housing situation,

Challenges when trying to sell a house,

Helping kids with a house downpayment,

Selling a car to pay off debt,

Using a grant to buy a house,

Paying off debt using a pension.


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Don’t Buy a House if You’re Broke! (Hour 1)

Dave Ramsey & George Kamel discuss:

How to calculate your net worth,

Fixing up the house vs. selling it,

How the white house is trying to redefine the word "recession",

Getting out of a debt mess.


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 White House Is Trying To Redefine Reality (Hour 2)

Dave Ramsey & George Kamel discuss:

A Christian ethic of work,

The stupidity of the Antiwork movement,

Helping a child with their downpayment,

What to do with an insurance payout.


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

Hard Work Is Good (Why the Antiwork Movement Is Stupid) (Hour 3)

Dave Ramsey & Kristina Ellis discuss:

Buying stock in your company (even if that company happens to be Apple),

Term life insurance,

Renting out commercial real estate,

How much to budget for rent.


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Should I Buy My Company’s Stock? (Hour 1)

Dave Ramsey & Kristina Ellis discuss:

Keeping a car at the expense of your house,

Investing in property vs. paying it off,

Affording a vehicle,

Getting a masters degree debt-free.


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You Have a Car Problem (Hour 2)

Dave Ramsey & Kristina Ellis discuss:

Can you invest too much in your 401(k)?

How to go to college without debt,

Fear over using an investment professional.


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Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Can I Pay for College? (Hour 3)

Alright, so the real estate market has people freaking out and feeling uncertain about buying and selling a home. Maybe you're feeling the same way—and that's understandable when opinions are coming at you from every direction. It's time for a reality check about what's really happening—so you know how to navigate the market. 
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Bonus Episode: Is the Housing Market Going to Crash? A Real Estate Reality Check

Rachel Cruze & Dr. John Delony discuss:

Steps to take when you discover financial infidelity.

How manual underwriting works for mortgages.

Grieving a tragedy and how to move forward.


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VISA Has a Plan for Your Money...Do YOU? (Hour 1)

Rachel Cruze & Dr. John Delony discuss:

Achieving financial peace after a divorce.

Why you should share a bank account with your spouse.

What you need to do to get out of debt.


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Finance Is a Reflection of What You Value (Hour 2)

Rachel Cruze & Dr. John Delony discuss:

What to do with profit from a house sale.

Dealing with a high-interest underwater car.

Saving 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

How To Get Better at Saving Money (Hour 3)

Dave Ramsey & George Kamel discuss:

How much money you save when you use cash,

Figuring out your financial priorities,

How Dave bounced back after bankruptcy.


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How Dave Bounced Back After Bankruptcy (Hour 1)

Dave Ramsey & George Kamel discuss:

Using a HELOC to pay off debt,

How much is enough for a down payment,

Getting started on the Baby Steps,

A former addicts fear of paying off debt,

How much is too much to put in a pension,

If crypto should be a part of your portfolio.


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

If You Can Beat Addiction, You Can Beat Debt (Hour 2)

Dave Ramsey & George Kamel discuss:

If buying a vacation home with the in-laws is a good idea,

Preparing for baby step 4,

The best way to fund medical school,

The ins and outs of donating money to friends.


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

Live Like No One Else, So Later You Can Give Like No One Else (Hour 3)

Dave Ramsey & Kristina Ellis discuss:

Putting value on a piece of property,

Mutual fund vs a 529,

Investing while working on a PhD,

Churches taking on debt


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Please Don’t Let Your Church Take On Debt (Hour 1)

Dave Ramsey & Kristina Ellis discuss:

Paying for closing costs on a new house,

The ROI of an MBA,

The rise of teenagers betting on sports.


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Online Sports Betting: The Latest Trend for Teens (Hour 2)

Dave Ramsey & Kristina Ellis discuss:

The best way to handle a large insurance settlement,

Using the emergency fund to pay off the house,

Defining your financial priorities.


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 Invite Murphy Into Your Life! (Hour 3)

Dave Ramsey & Dr. John Delony discuss:

Getting your spouse on board to become debt-free,

The best way to negotiate your salary,

How to set up a budget,

Buying a new home with retirement money.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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What’s YOUR Reason for Getting Out of Debt? (Hour 1)

Dave Ramsey & Dr. John Delony discuss:

Trying to budget while battling cancer,

When buying gifts is a violation of trust,

Knowing when to accept gifts from parents (and when to quit the family 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

Budgeting Through Stressful Situations (Hour 2)

Dave Ramsey & Dr. John Delony discuss:

How much is enough for a full emergency fund,

The best way to save for an engagement,

Knowing when to cash out money from mutual funds,

When to focus on Baby Step 3b.


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 Much Is Enough for a Full Emergency Fund? (Hour 3)

Dave Ramsey & Ken Coleman discuss:

How to know when you're buying (or building) too much house,

Knowing when it's time to upgrade from the beater car,

The morals and ethics of working somewhere that sells debt products.


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What You’re Doing Is Financial Suicide (Hour 1)

Dave Ramsey & Ken Coleman discuss:

How to avoid entitled kids,

What to do when you're behind on bills,

Forgiving a family member who won't pay back money you let them borrow

Setting boundaries.


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Our Son Won’t Pay Us Back… (Hour 2)

Dave Ramsey & Ken Coleman discuss:

Paying a price to get rid of your debt,

Getting ahead on student loans,

Declining a job offer after having originally accepting it.


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Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

It’s Not a Math Problem, It’s a Behavior Problem (Hour 3)

George Kamel & Ken Coleman discuss:

Staying in a job for the health insurance,

Buying property with cash or a loan,

Where a young teen should save the money they earn from a job,

Picking between two financial advisors.


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Should I Stay in a Job for the Health Insurance? (Hour 1)

George Kamel & Ken Coleman discuss:

The potential for doing your job from another state,

Moving to a more affordable area,

George's money hacks,

Stopping investing to save for a home,

Talking a college-bound kid out of student loans.


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Pause Investing To Save for a House? (Hour 2)

George Kamel & Ken Coleman discuss:

Selling rental properties to get out of debt,

BMW's heated seats subscription pilot,

Selling a house vs. fixing it up,

Knowing when to leave a job even if it's comfortable,

The necessity of grad school,

Waiting for student loan forgiveness.


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 I Need a Masters Degree? (Hour 3)

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Dave Ramsey & George Kamel discuss:

When married couples disagree on how much house to buy,

Pulling money out of a 401(k) to put in a Roth,

Trying to make ends meet when income is low,

How to get money out of a shared investment.


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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

Making Ends Meet on a Low Income (Hour 1)

Dave Ramsey & George Kamel discuss:

Whether or not to let a home buyer move in early,

How married couples can set up their health insurance,

Tithing in baby step 2,

Budgeting after a large promotion,

How buying a duplex affects the 25% of your take-home pay rule,

When you're debt free but don't actually own anything.



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 We Rent Out Our Current Home? (Hour 2)

Dave Ramsey & George Kamel discuss:

Do you have to invest in the stock market or is real estate enough?

Making up for past money mistakes in a marriage,

A spouse who spent $5k without telling her husband first.


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 Make Up for My Money Mistakes in Our Marriage? (Hour 3)

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR
Dave Ramsey & Rachel Cruze discuss:

Getting a reluctant spouse on board,

Increasing your emergency fund to account for inflation,

Selling a rental property to pay off the primary home.



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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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How Does Inflation Impact the Baby Steps? (Hour 1)

Dave Ramsey & Rachel Cruze discuss:

Dealing with tax implications after a loved one's death,

Owner financing when buying a house,

Starting a business with a baby on the way,

Construction loans,

Dealing with a cheating spouse who wants a divorce but wants to live in the same house.



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My Wife Wants To Keep Living Together After the Divorce (Hour 2)

Dave Ramsey & Rachel Cruze discuss:

Why certain areas of the country are more/less desirable,

Selling the house to pay off debt,

Why you shouldn't take out 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

Debt Is a Distraction. Get It Out of Your Life! (Hour 3)

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Dave Ramsey & Kristina Ellis discuss:

Paying back parents for college tuition,

Why it's possible to go to school debt-free,

The best way to plan to purchase a vacation home,

Buying business vehicles vs. personal vehicles.


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Christian Healthcare Ministries


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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Don’t Turn Your Dream Into a Nightmare! (Hour 1)

Dave Ramsey & Kristina Ellis discuss:

Pausing investing to pay for college,

Knowing how much house you can afford,

Disagreement about how to use 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

How Much House Can I Actually Afford? (Hour 2)

Dave Ramsey & Kristina Ellis discuss:

Why you can't predict the end of the world (and invest accordingly),

Counseling a kid who doesn't want to go to college,

The best way to invest after selling a home,

When to sell a 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

Should We Plan Financially for the End of the World? (Hour 3)

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & Ken Coleman discuss:

How to save money for kids from an accident settlement,

The crazy real estate market,

What to do with the house post-divorce,

Selling a car to pay off debt.


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Stay Calm During the Chaos (Hour 1)

Dave Ramsey & Ken Coleman discuss:

What to do when you fall out of love with your career,

Why Dave keeps working even though he doesn't "have to" work,

Cashing out a 401(k) to pay off debt,

Handling a pension payout.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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There Is No Progress Without Pain (Hour 2)

Dave Ramsey & Ken Coleman discuss:

Cashing out investments to pay off your house,

Mandatory pension contributions, and why pensions are going away,

Pay off debt now or save up and pay later?


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 Cash Out My Investments To Pay Off the House? (Hour 3)

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Ken Coleman & George Kamel discuss:

Rebuilding a business after a move,

Picking up the pieces after a crypto scam,

Bad TikTok investing advice,

Renting a car without a credit card.


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Churchill Mortgage


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I Got Burned by a Crypto Scam (Hour 1)

Ken Coleman & George Kamel discuss:

Is now a good time to sell your home?

Stopping investments to pay off debt,

Which debts to pay off first,

When it makes sense to stop investing.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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Should We Really Stop Investing To Pay Off Debt? (Hour 2)

Ken Coleman & George Kamel discuss:

Improving your credit after bankruptcy,

Selling a rental to pay off a primary residence,

Growing your business' client base,

The best way to protect your savings,

Preparing for 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

Should We Sell Our Rental Property? (Hour 3)

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR
Dr. John Delony & Rachel Cruze discuss:

Sinking funds vs. emergency funds,

Should you make your kids tithe?

How to budget for months with less income,

I feel like I'm running out of time to save.


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Zander Insurance

Splash Financial


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Should We Use a Sinking Fund or an Emergency Fund? (Hour 1)

Dr. John Delony & Rachel Cruze discuss:

Paying for law school,

Making payments for a cell phone,

Building a house vs. buying a house,

How to get started budgeting.


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

Building a House vs. Buying One (Hour 2)

Dr. John Delony & Rachel Cruze discuss:

Fighting a custody battle when you can't afford an attorney,

Why your parents don't get a vote on your side hustle choice,

Trading in a vehicle vs. repairing it,

Whether or not to sell the business,

Paying for a wedding during 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

Your Parents Don’t Get a Vote! (Hour 3)

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Rachel Cruze & Dr. John Delony discuss:

What to do when you feel like you'll never get done with baby step 2,

Owing money to family,

Why married couples should combine bank accounts,

Planning for a lower income job in the future.


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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

I Feel Like I’ll Never Get Out of Debt (Hour 1)

Rachel Cruze & Dr. John Delony discuss:

Quitting a side job to spend more time with family,

Selling your house to live in a van (down by the river),

Holding to your values while dating,

How long to stay in baby step 3b.


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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

Should We Live in a Van (Down By The River)? (Hour 2)

Rachel Cruze & Dr. John Delony discuss:

Financially preparing to blend families,

Staying on track during the baby steps,

How to roll over a 401(k),

How to move on financially after a divorce.


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 Stay on Track During the Baby Steps? (Hour 3)

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & Ken Coleman discuss:

Self-insuring for long-term care insurance,

The best way to find scholarships,

Fixed index annuities.


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Zander Insurance

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

At What Point Can I Self-Insure? (Hour 1)

Dave Ramsey & Ken Coleman discuss:

How to fix a major loss at your company,

Is it ever too late to change jobs?

Helping a grandchild in 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

Is It Too Late for Me To Change Jobs? (Hour 2)

Dave Ramsey & Ken Coleman discuss:

Building an emergency fund vs. paying off debt,

Paying off an adult child's mortgage,

The best way to further your career.


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

Preparing Financially for a Baby (Hour 3)

Dave Ramsey & George Kamel discuss:

Whether or not to buy a newer car,

Where you should direct your retirement funds,

Term life insurance


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Christian Healthcare Ministries


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
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What Should I Do With a Car Accident Settlement? (Hour 1)

Dave Ramsey & George Kamel discuss:

Why it’s important to get a realtor,

Getting on track with your budgeting,

How to get on the same page about supporting a family member.


Support Our Sponsor:
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

How To Get Back on Track With Your Budgeting (Hour 2)

Dave Ramsey & George Kamel discuss:

How to pay for college,

What your best investing options are,

How much to save for a house down payment.


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 Should I Start Looking for a New Job? (Hour 3)

George Kamel & Dr. John Delony discuss:

Whether or not a 30-year mortgage can be better than a 15-year,

How to build wealth after college,

Why you shouldn’t try to “game” the credit card system.


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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

My College Is Free but I Don't Want To Go (Hour 1)

George Kamel & Dr. John Delony discuss:

The different types of mutual funds,

Figuring out your next financial goal,

How to pay off your car.


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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 Are the Best Mutual Funds To Invest In? (Hour 2)

George Kamel & Dr. John Delony discuss:

Starting a business,

Making a decision about a workplace vaccine mandate,

What to do with a large 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

I'm Getting a $3.5 Million Settlement...What Should I Do With It? (Hour 3)

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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NetSuite

Zander


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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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

The Ramsey Show

Ramsey Network - ramseysolutions.com

Latest episode: Fri Aug 12 2022