The Ramsey Show

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

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

• "How do I budget an inconsistent income?"
• "How do I get my family on board with a budget?"
• Are you Broke, Average, or Wealthy?
• "Should I transfer my credit card balance to a HELOC?"
• "How do we get money back from a friend"
• "Drop out of college to take a Bitcoin mining job?"

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• 🌱 Get 10% off your first month of BetterHelp
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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🏠 Get organized and prepared to buy or sell a home. 

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Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

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Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

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

• "How do I handle a defaulted loan?"
• "Should I buy a house while my husband is in prison?"
• "I make $73k/year but still feel broke,"
• "Should I buy a car to get better gas mileage?"
• "My step-sister wants me to share my inheritance"
• "Should I help my boyfriend pay off debt?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• ◎ Get 10% off Byrna product bundles and more!
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎁 Cyber Monday Extended Deals as low as $8

🏠 Get organized and prepared to buy or sell a home. 

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "How do I learn to manage money?"
• "My abusive ex took loans out in my name,"
• "Should I be ashamed for living in a motor home?"
• "How do I help a friend with their extreme debt?"
• "Can I afford a $80K Tesla?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• ◎ Get 10% off Byrna product bundles and more!
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Shop weeklong Cyber Monday deals starting at $10! 

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

🎁 Cyber Monday Extended Deals as low as $8

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "Our advisor is telling us not to pay off our home,"
• "How do banks let people get so many credit cards?"
• "How do I stay disciplined in Baby Step 2?"
• "How do I stop wasting my income?"
• My husband wants us to take out a mortgage for his daughter,"

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• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 Learn more about Christian Healthcare Ministries
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Shop weeklong Cyber Monday deals starting at $10! 

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

🎁 Cyber Monday Extended Deals as low as $8

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & George Kamel answer your questions and discuss:

• "How do I buy a house for the first time?"
• "How do I financially prepare for med school?"
• "Should we cash out our whole life policy?"
• "Will income tax be eliminated?"
• "Should I pay off my cousin's debt?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 Learn more about Christian Healthcare Ministries
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Shop weeklong Cyber Monday deals starting at $10! 

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

While we're out for the long weekend, we've compiled some of our favorite Rachel and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show on Monday!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "I’m over $1M in debt, what can we do?"
• "I work 90 hours/week and am in terrible debt"
• "My husband lost his job after we bought a house."
• "Is it ethical for us to use charity food pantries?"
• "My husband has always left me out of our finances. What should I do?’"
• "Tips to lower Insurance rates for homes/cars this year."

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• 🌱 Get 10% off your first month of BetterHelp
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎟️ See Dave and John LIVE in a city near you!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & John Delony answer your questions and discuss:

• ‘My husband doesn't help with our bills’
• ‘Borrow $1.2M to buy a small business?’
• ‘How can I sustain working 80 hours a week?’
• 'How do I get over the shame of bankruptcy?'
• ‘My wife got caught in an internet scam.’
• 'Is it wise to propose while still in debt?'

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "Does God want us to be wealthy?"
• "Our daughter wants us to sponsor a green card,"
• "Sell our house to pay off $400k of debt?"
• "Due to a prenup I have to move out soon,"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎁 Black Friday Start Now with Deals as low as $8.

🎟️ See Dave and John LIVE in a city near you!

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "I hate my job and want to get out of debt,"
• "What's the benefit of using an escrow account?"
• "I'm behind on my credit card payments,"
• "How do I get my kids off my payroll?"
• "Should I invest in real estate?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎟️ See Dave and John LIVE in a city near you!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "My husband's gambling put us in 120k of debt,"
• "Am I obligated to help my adult children?"
• "Should I invest more or pay off the house?"
• "I'm angry that my wife wants a larger house,"
• "My girlfriend is considering debt relief"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

🍸 Check out more episodes of Smart Money Happy Hour

Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you’ve been looking for—plus great ideas for the one on your list who has everything.

Rachel and George’s Gift Guide:

Wine and Cocktail Lovers

• Cocktail shaker that doesn’t freeze your hands 
• Vintage cocktail book

People Who Love to Cook

• Meat chopper
• Citrus squeezer

Tech and Gadget Lovers

• Cordless phone charger
• Extended-length phone charger cable

Kids

• Digital camera

Parents/Grandparents

• Neck fan
• Foot spa
• Massage gun
• DeleteMe

Spouse

• Coffee subscription
• Flower delivery

White Elephant/Dirty Santa

• Milk frother
• Wine decanter

“Take the Hint” Gifts

• Apple AirTag
• Rachel’s favorite self-help book: The Anxious Generation by Jonathan Haidt
• Ramsey Solutions official store (Black Friday deals)

For the One Who Has It All

• Customized sign/art
• Cozy Earth products (Use code SMARTMONEY for exclusive discount up to 45% off)

Today’s Happy Hour Special: 🍷 Red Sans-Gria

Recipe from Drinking for Two: Nutritious Mocktails for the Mom-to-Be

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

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

• "Investing while paying off debt,"
• "Getting on the same page with our finances"
• "Wait for the economy to improve before I invest?"
• "My mother-in-law wants my wife to stay home,"
• "Should I throw everything at my mortgage?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🎟️ Get Tickets to the Money & Relationships Tour

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "My fiance hasn't filed taxes in 20 years..."
• "I asked my parents if they can forgive my loan,"
• "Should I rent out my house during the NFL Draft?"
• "My brother co-signed a car with my late father,"
• "I'm worried grandkids will blow their inheritance,"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

💵 Start your free budget today. Download the EveryDollar app!

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🛳️ Live Like No One Else Cruise

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "My terminally ill wife hid debt from me,"
• "Is $42k a year enough income to build wealth?"
• "Should I buy a $1M house in cash?"
• "We overbought on a house; what do we do?"
• "Getting out of a car I'm $5K upside down on"
• Dave and Jade interview millionaires to find out how they built their wealth.

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🩺 Find the Right Health Coverage During Open Enrollment

💵 Start your free budget today. Download the EveryDollar app!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "My parents are worried about losing their home,"
• "Should I go back to grad school after getting laid off?"
• "When should I consider refinancing my home?"
• "How do I sell the gold I dredge?"
• Dave Rant on stupid tax advice.

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

🛳️ Live Like No One Else Cruise

🛒 Shop the online store at Ramsey Solutions

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

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Dave Ramsey & George Kamel answer your questions and discuss:

• "My parents have no retirement savings and are expecting us to help,"
• "How can I diversify my investment portfolio?"
• Should I freeze my credit?
• "My husband thinks we are too broke to have a baby?:"
• "Should I keep my Universal Life insurance policy?"
• Jimmy Darts on how fun it is to give money away (follow him at @jimmydarts)

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Ken Coleman & George Kamel answer your questions and discuss:

• My ex-boyfriend is on the deed to my house.
• My family doesn't want me to pay off my debt
• I was scammed by a fraudulent publisher
• I landed my dream job but I'm bad with money
• My husband won't stick with a budget

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• "Finding a girl that likes me and not my money"
• "Do I need to file for bankruptcy?"
• "We're almost in $1M in debt"
• "How do I make decisions with my new wife?".

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

• "Should I pay off my house or start investing?"
• "I live in my truck. How do I get back on track?"
• "My grandparents skipped my parents in the inheritance and gave their money to us,"
• "Are we financially ready to build a cabin?"
• "Is my mother-in-law is trying to cause a rift?"

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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "How do I get out of a financial mess on my own?"
• "Can I afford to buy out my wife's car lease?"
• "How can I be a good influence for my cousin?"
• "We live paycheck-to-paycheck and can't get ahead,"
• "Should we move to get away from our weird neighbors?"

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🏠 How to Buy a Home Course

🏘️ Free Tools & Resources to Reach Your Home Goals

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George Kamel & Jade Warshaw answer your questions and discuss:

• "Should I co-sign a mortgage for my sister?"
• "Is it okay to rent when I first move out?"
• "Should I put extra income towards my wife's debt?"
• Tips for paying less in taxes next year,
• "Should I pay for my son's second degree?"

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George Kamel & Rachel Cruze answer your questions and discuss:

• "I took a pay cut to keep my family together,"
• "What should I be investing in to build wealth?"
• "Should I combine debt with my boyfriend?"
• "My monthly bills are $500 more than my income"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
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Rachel Cruze & Dr. John Delony answer your questions and discuss:

• "My parents are threatening to kick me out"
• "I can't afford rent, what can I do?"
• "My husband doesn't trust me with our money,"
• "How will I ever be able to afford a home?"
• Sports betting is affecting Americans' investing habits.

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
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Next Steps

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

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🎟️ Get Tickets to the Money & Relationships Tour

🏖️ Invest in Your Future With a SmartVestor Pro

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

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Ramsey Solutions Privacy Policy

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• Trump won the election: here's what to do next,
• "I overspent and have over $1 million of debt,"
• "How much can I spend on buying property?"
• "How should I take on my new wife's debt?"
• "Should we stay gazelle intense to pay off our house?"

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🏦 Trump is the new president, but you are in control of your money!

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💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

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Ken Coleman & George Kamel answer your questions and discuss:

• "Pull from my 401(k) to pay my ex-husband?"
• "I can't break the habit of living like I'm broke"
• "A potential employer wants me to pay them"
• "Keep our credit cards to build our credit score?".

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

💼 Grow yourself and your business with real-life, real-time coaching to help you win in business and leadership

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today!

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts

🎟️ See Dave and John LIVE in a city near you!

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🛳️ Live Like No One Else Cruise

💡 Access Ramsey’s Complete Guide to Investing for free

Listen to more from Ramsey Network

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🍸 Smart Money Happy Hour

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💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

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Dr. John Delony & Jade Warshaw answer your questions and discuss:

• "I feel like I'm allergic to spending money,"
• "How quickly should I be paying off my house?"
• "When do we tell our kids about our wealth?"
• "Should I invest more or buy a BMW?"
• "My loan officer says I'm putting too much down,"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts

🛳️ Live Like No One Else Cruise

💼 Grow yourself and your business with real-life, real-time coaching to help you win in business and leadership 

💵 Start your free budget today. Download the EveryDollar app!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

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💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

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Rachel Cruze & Dr. John Delony answer your questions and discuss:

• "Is it wrong to not let family borrow our car?"
• "Is it okay to buy gifts while paying off debt?"
• "Why shouldn't I get a 30-year mortgage?"
• "Should I "call it quits" with my husband?"
• "I feel guilty charging my sons rent"

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• 🏡 Get started today with Churchill Mortgage
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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

🏖️ For help with investing, get connected with a SmartVestor Pro.

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today!

🎟️ Reserve your seat for Summit 2025 today!

❤️ Get tickets to our NEW Money & Marriage Date Night virtual event

💵 Start your free budget today. Download the EveryDollar app!

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📈 EntreLeadership

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

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Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app.

Jade Warshaw & Dr. John Delony answer your questions and discuss:

• My business partner owes me $16K.
• I'm struggling to keep my finances above water.
• Talking to my parents about their budget
• What are FICA withholdings?
• Should we buy a brand new car?

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• 🌱 Get 10% off your first month of BetterHelp
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🛳️ Live Like No One Else Cruise

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💼 Connect with a RamseyTrusted tax pro for help with payroll and more

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Ramsey Solutions Privacy Policy

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George Kamel & Ken Coleman answer your questions and discuss:

• "Why shouldn't I use credit cards?"
• "We're millionaires, do we still need to budget?"
• "My new husband lied about his net worth,"
• "How much should we spend on a home?"
• "I just inherited $3M; how do I invest this?"
• "How do I talk my husband out of a bad decision?"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

🛳️ Live Like No One Else Cruise

🏖️ Invest in Your Future With a SmartVestor Pro

❓Reconnect with the NEW Questions For Humans Conversation Cards: Intimacy, Couples, Friends, Parents & Kids Editions 

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app.

Jade Warshaw & Ken Coleman answer your questions and discuss:

• "I'm $2.5M in debt, what can I do?"
• "How do I talk to my family about money?"
• "Should I use my savings to buy my wife a car?"
• "Do I need to invest 15% if I have a pension?"
• "I'm afraid that AI and robots will take my job"

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Jade Warshaw & George Kamel answer your questions and discuss:

• "Is it okay to continue renting indefinitely?"
• "Should I continue to wait on buying a home?"
• "My identity was stolen; how do I start over?"
• "I got a court order for a credit card I don't own,"
• "Do we need to finance a roof repair?"
• Talk Nerdy to Me: Explain Dollar Cost Averaging
• "How much house can I afford,"

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Ken Coleman & George Kamel answer your questions and discuss:

• "My husband wants to sell the house for a trailer,"
• "How do I balance work vs. time with family?"
• "I miss my debt after selling my Corvette,"
• "Should I cancel my wedding to pay off debt?"

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Dr. John Delony & Rachel Cruze answer your questions and discuss:

• "Family Is Guilting Me Over Not Helping My Mom"
• "My Parents Keep Hinting That I Should Move Out"
• "We Can’t Keep Up With the Rising Cost of Living"
• "I Regret Letting My Mother-in-Law Move In With Us".

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• "I can't get in my home due to a restraining order,"
• "My car payment is stopping me from investing,"
• "My fiancé just borrowed $240K to buy an RV,"
• "I don't see a way out of my debt..."
• "My siblings expect me to take care of our parents,"

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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "Why not buy a house before marriage?"
• "How do I invest for the future?"
• "Borrow from my 401(k) to buy a house?"
• "Should I buy a diamond ring or save more for a house?"
• "I'm in over my head with a remodel"

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George Kamel & Jade Warshaw answer your questions and discuss:

• "How do I start over at age 40?"
• "My truck is taking over my budget,"
• "Is it necessary to have a credit score?"
• "My girlfriend is giving me an ultimatum based on who I vote for..."
• "How do I financially prepare for a divorce?"

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• "I loaned my friend $3k then she passed away..."
• "I have nothing in savings but I need a car
• "How can I make a living in a difficult industry?"
• "My dad wants me to take out a business loan,"
• "We're tired of living paycheck-to-paycheck"

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Jade Warshaw & Ken Coleman answer your questions and discuss:

• "How do I find margin when I'm capped out on income?"
• "Should I use a HELOC to refinance my home?"
• "My wife doesn't want to give up her horse..."
• "How do I get rid of my credit card debt?"
• "Should I move out of my parents' house?"

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Next Steps

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🛳️ Live Like No One Else Cruise

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📱Download the Ramsey Network app for a Shapiro Interview Exclusive Extra!

George Kamel & Jade Warshaw answer your questions and discuss:

• "I'm in a lot of debt and behind on my payments,"
• "Should I sell my house at half the value?"
• "Should I keep my credit card?"
• "How will having a baby change my budget?"
• "What should we do with a whole life policy?"
• "I'm worried that my boyfriend hasn't proposed."

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📱Exclusive Extra: Watch more from this interview on the Ramsey Network app.

Dave Ramsey sat down with Ben Shapiro for a real talk on work, building wealth, and

what it really means to pursue the American Dream in 2024.

Founder and CEO of Ramsey Solutions, Dave Ramsey is a financial expert and national bestselling author. Over the last 30 years, Ramsey Solutions has delivered clear, no-nonsense money advice through radio shows, podcasts, books, courses and tools, helping millions of people take control of their money and build wealth. Each week, 8 million people tune in to The Ramsey Show across podcasts and YouTube for advice on money, careers, and relationships.

Learn more about Ramsey Solutions

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

• Why you need to vote in every presidential election,
• "My parents moved in and aren't paying rent,"
• "My wife & I don't share the same views financially"
• Baby Steps Millionaire Theme Hour.

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📱Early Access, 10/15: Watch Dave Interview Shapiro in the Ramsey Network app

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

• "My daughter doesn't live according to the Bible,"
• "Should I set financial boundaries with my spouse?"
• "I'm afraid to leave my cheating girlfriend..."
• "My husband spends too much on bourbon,"
• "Do I still need to save for a house?"

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📱Early Access, 10/15: Watch Dave Interview Shapiro in the Ramsey Network app.

George Kamel & Jade Warshaw answer your questions and discuss:

• "Should we offer seller financing for our home?"
• Re-organizing our debt snowball now that we're married,
• "Should we sell our cars to pay off debt?"
• "My tenant is falling behind on their rent,"
• "Do I need to buy a minivan for my first child?"

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📱Watch the full episode for free in the Ramsey Network app.

Jade Warshaw & George Kamel answer your questions and discuss:

• "Don't pay off your boyfriend's debt,"
• Why debt consolidation isn't a good plan,
• "What Baby Step am I in?"
• "My dad is holding a parent plus loan over our heads,"
• "I don't want to put my boyfriend on the house deed when we get married,"

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🏠 How to Buy a Home Course

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📱Watch the full episode for free in the Ramsey Network app.

John Delony & George Kamel answer your questions and discuss:

• "I have $160K of debt, should I file for bankruptcy?"
• "How do I grow my income without missing family time?"
• "How can we reduce our monthly expenses?"
• "I have a low-paying job in an expensive state,"
• "My husband put us $180K in debt,"

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Next Steps

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Listen to more from Ramsey Network

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📱Watch the full episode for free in the Ramsey Network app.

Ken Coleman & Jade Warshaw answer your questions and discuss:

• "Should I change jobs to help pay off debt?"
• "How should I invest after selling my business?"
• "Which credit card should I get for my son?"
• "Spend $6K to see Taylor Swift with my daughter?"
• "My mortgage is 65% of our income,"
• "I'm getting $3.1M from my divorce settlement,"

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

• "I have $100K in credit car debt,"
• "My husband has never wanted to work,"
• "My million dollar business is struggling,"
• "My wife spends like a drunken sailor,"
• "How do I find contentment in Baby Step 2"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
• 🏛Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎟️ See Dave and John LIVE in a city near you.

🏠 Find a Ramsey Trusted Real Estate Agent

Listen to more from Ramsey Network

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