The Ramsey Show

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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "My in-laws offered us money to move closer,"
• "How do I save for a house on a low income?"
• "Should I keep investing 75% of my income?"
• "I'm worried about disappointing my parents,"
• "Should I sell my car to pay for school?"
• "My husband won’t put me on our house deed,"

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Next Steps

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

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🏘️ Free Tools & Resources to Reach Your Home Goals

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

Ken Coleman & Rachel Cruze answer your questions and discuss:

• "Our millionaire in-laws are unwilling to discuss their will,"
• "My fiancée and I have $155k of debt,"
• "My fiancée grew up in a different money culture – how do I get her on board with the Baby Steps?"
• "How do I use my investments to build a home?"
• "I feel selfish for working so much to pay off debt,"

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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

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

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💼 Whether you’re confident filing solo or you need support from a pro, we have all the tools you need to crush your taxes

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Ken Coleman & George Kamel answer your questions and discuss:

• "How do I get my girlfriend to move with me?"
• Buying a home with no credit score,
• "I live in New York and I'm miserable,"
• "Should I divorce my spending addict husband?"
• "Are we paying off the mortgage too quickly"
• "My in-laws can't manage their finances and moved in with us."

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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

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

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

💪 Invest with confidence! Get tickets to Investing Essentials

Listen to more from Ramsey Network

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

• "I'm 66 and have nothing saved for retirement,"
• "Are we obligated to support my uncle?"
• "I think moving to Texas was a bad decision,"
• "How do I deal with a spouse that wants to spend everything in the bank account?"
• "I'm $40k in debt and behind on my credit cards,"
• "How do I budget on an irregular income?"

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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

📞 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

💪 Invest with confidence! Get tickets to Investing Essentials

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

🏘️ Free Tools & Resources to Reach Your Home Goals

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

💰 George Kamel

💼 The Ken Coleman Show

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• "I'm $115k in debt at 19and don't know what to do,"
• "Should we pay off the IRS first?"
• "My husband isn't being upfront with our finances,"
• "Should we finance a kitchen renovation?"
• Jade and Ken discuss the inauguration and tarrifs,
• Wages vs. Inflation.

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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

📞 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. 

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

🎟️ Get Tickets to the Money & Relationships Tour

💪 Invest with confidence! Get tickets to Investing Essentials

🏘️ Free Tools & Resources to Reach Your Home Goals

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

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

• "Is it too late to invest for the future?"
• "I was involved in a horrible financial scam,"
• "Should I use my trust fund to pay off my fiancée's debt?"
• "Do I need to pay off loan my husband secretly took out before he died?"
• "How can I pay off a ballooning HELOC?"
• "Am I selfish for not wanting to see my in-laws?"

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• 💻 Visit NetSuite today to learn more
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• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

📞 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

💪 Invest with confidence! Get tickets to Investing Essentials

📄 Need help with your taxes? See who we trust.

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

💰Watch 90 Day Money Makeover.

Listen to more from Ramsey Network

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

• "My ex-husband is coercing our daughter into a $600,000 mortgage,"
• "How do I start investing for retirement?"
• How the California wildfires impact everyone,
• "We think a bank employee is embezzling money from our bank account,"
• "My parents bought whole life insurance for me as a child,"
• "We regret purchasing a fixer-upper,"
• "Borrow from my 401(k) to pay off debt?"

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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
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• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
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• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

📞 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

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💪 Invest with confidence! Get tickets to Investing Essentials

💰Watch 90-Day Money Makeover.

🏘️ Free Tools & Resources to Reach Your Home Goals

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

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💼 The Ken Coleman Show

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

• "Should I re-home my dog to pay off debt?"
• "How do we start saving for retirement?,"
• "We don't want to get married,"
• "Is it time for us to move out of California?"
• "My parents asked me to loan them 50k so they could put a down payment down on a house"

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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
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

📞 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

☂️ Get trusted insurance coverage that fits your budget. 

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🏘️ Free Tools & Resources to Reach Your Home Goals

💰Watch 90-Day Money Makeover.

Listen to more from Ramsey Network

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George Kamel & Ken Coleman answer your questions and discuss:

• "I'm $68k in credit card debt, should I file bankruptcy?"
• "Can I go back into debt to upgrade our house?"
• "How do I figure out what a "fair" salary is?"
• "Is it too late for me to start investing at 65?"

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• 💻 Visit NetSuite today to learn more
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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

📞 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

💪 Invest with confidence! Get tickets to Investing Essentials

☂️ Get trusted insurance coverage that fits your budget 

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🏘️ Free Tools & Resources to Reach Your Home Goals

Listen to more from Ramsey Network

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• "Should I buy less healthy food to save money?"
• "What should we do with a large financial gift?"
• "I just started college and I hate it,"
• My sibling got an inheritance and I didn't..."
• "We're $500k in debt and the interest is killing us"

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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

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

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

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

• "My wife left me and took my life savings,"
• "Should we move away from our parents?"
• "Do we have to help pay for a funeral?"
• "How much should I spend on a ring?"
• "How do I not resent my husband's low income?"

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Next Steps

📱 Listen to the full episode for free in the Ramsey Network app.

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

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

• "We have over $2.5 million of debt,"
• "Where should we start investing?"
• "What's the best way to buy our first home?"
• "Should I pursue public service loan forgiveness?"
• "Where should we build our dream home?"
• "My husband hasn't filed taxes in 20 years"

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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

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Listen to more from Ramsey Network

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Rachel Cruze & Ken Coleman answer your questions and discuss:

• "We disagree on how to use an inheritance,"
• "Should my boyfriend and I move out?"
• "I can't convice my husband to let me stay home,"
• "Should I go against what is in my dad's will?"
• "I'm furious at my husband for buying a truck,"

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Next Steps

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

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Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "My boyfriend and I share credit cards,"
• "How do I tell my dad he can't borrow from me?"
• "When is a 401(k) match too good to pass up?"
• "My husband spent our retirement behind my back,"
• Housing Market Predictions for 2025
• "We co-signed on a house and now we're stuck,"

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Next Steps

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

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💸 Start taking control of your money in 2025 at our free livestream

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

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Ken Coleman & Jade Warshaw answer your questions and discuss:

• "I can't make ends meet after buying a franchise,"
• "How do I handle aggressive debt collectors?"
• "How do I get out of a financial pit?"
• "How do I get better at staying on a budget?"
• "We haven't combined banks or debt yet"

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Next Steps

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

💰 Watch 90 Day Money Makeover.

💸 Start taking control of your money in 2025 at our free livestream

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💵 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

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

• "I haven't paid taxes in 7 years"
• "We have struggled with relationships since becoming everyday millionaires,"
• "My ex was living a double life and left our family in poverty,"
• "Should I pause retirement to save for a house?"
• "My wife won't talk about unplanned purchases,"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
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• 💻 Visit NetSuite today to learn more
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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

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

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

🎆 The New Year's Sale is on! Save big with deals to help you reach your goals. 

Listen to more from Ramsey Network

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

• You can decide to change your life TODAY!
• “Our medical bills keep us from moving forward in the baby steps”
• “My boyfriend doesn’t share in my financial goals”
• “Is work/life balance a real thing?”
• Is a high-yield savings account the best place for your money?
• “I haven’t paid my credit card debt in 13 years!”

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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
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
• 🗂️ 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. 

🎆 The New Year's Sale is on! Save big with deals to help you reach your goals. 

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

🎟️ Get Tickets to the Money & Relationships Tour

🏘️ Free Tools & Resources to Reach Your Home Goals

Listen to more from Ramsey Network

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

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Ken Coleman & George Kamel answer your questions and discuss:

• "How can I take control of my money?"
• "I should be at 0% interest, but I'm not,"
• "I was overpaid $6K, what should I do?"
• "Where does this fall in the baby steps?"
• "Should we help my mom with money?"

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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
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

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

🎆 The New Year's Sale is on! Save big with deals to help you reach your goals. 

☂️ Protect yourself with the right coverage—take our coverage quiz!

🏠 Find a Ramsey Trusted Real Estate Agent

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

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While we're out for new year's, we've compiled some of our favorite Dave and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

Dave Ramsey & George Kamel answer your questions and discuss:

• ‘We've been looking for a house for 9 years.’
• 'How do I save a $1 million inheritance?’
• ‘How much should we help our daughter?’
• ‘Liquidate my investments and buy crypto? '
• ‘My husband's side hustle doesn't make money’
• 'Should I pay taxes on cash income?'

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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
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

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

☂️ Protect yourself with the right coverage—take our coverage quiz!

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

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

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

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💼 The Ken Coleman Show

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

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🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for new year's, we've compiled some of our favorite George and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

George Kamel & Rachel Cruze answer your questions and discuss:

• ‘My sister took advantage of our sick mom’
• ‘$200K in consumer debt, declare bankruptcy?’
• ‘My husband's boss is a pig, should he leave?’
• ‘Restaurant waiters are keeping all my cash'
• ‘How do we handle our son's car getting stolen?’
• 'How do I become a $100 millionaire by 30?'

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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!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

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

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

💰 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

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🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite Dave and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• ‘My new husband is almost $1 million in debt’
• 'My in-laws loaned us $40K, what should we do?’
• ‘How beneficial is it to close my credit cards?’
• ‘How do I choose a financial advisor?'
• ‘Can I fix my marriage after getting out of debt?’
• 'My parents send us a bill whenever they visit.'.

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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!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

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

💵 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 Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

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

While we're out for the Christmas break, we've compiled some of our favorite John and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

John Delony & George Kamel answer your questions and discuss:

• ‘We make $330K and live paycheck to paycheck'
• 'Is my mother-in-law is trying to cause a rift?’
• ‘I feel guilty for spending money on therapy’
• ‘I'm 15, how can I help my parents financially?'
• ‘Dealing with my husband's gambling addiction’
• 'We've been living in a hotel for 3 months.'
• 
  

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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
• 🏛Get started with YRefy or call 844-2-RAMSEY
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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

🏖️ Invest in Your Future With a SmartVestor Pro

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

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

🛳️ Live Like No One Else Cruise

✅ Free tools and resources to find the right insurance for you

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

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🍸 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.

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Ramsey Solutions Privacy Policy

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

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

While we're out for the Christmas break, we've compiled some of our favorite Ken and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Ken Coleman & Rachel Cruze answer your questions and discuss:

• ‘Quit my two remote jobs to take one hybrid?'
• 'We couldn't agree on money so we broke up.’
• ‘Are we teaching our kids that credit is OK?’
• ‘Use emergency fund for daughter's quinceanera?'
• ‘I made an agreement for a house I can't afford.’
• ‘How much should I spend on a wedding ring?’

Support Our Sponsors:

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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!

🏖️ Invest in Your Future With a SmartVestor Pro

💵 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

💡 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.

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Ramsey Solutions Privacy Policy

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

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

John Delony & Jade Warshaw answer your questions and discuss:

• ‘Should I talk to my wife's toxic boss?'
• 'Is it OK to accept $1M from my in-laws?’
• ‘My mom lied about paying my student loans.’
• ‘I blew $50K after leaving an abusive relationship.'
• ‘My mom is boycotting my wedding rehearsal’
• 'Our house was destroyed by a tornado'

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!

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

🏖️ Invest in Your Future With a SmartVestor Pro

🏆 Take control of your money in 2025! Register for the free livestream.

💵 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.

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Ramsey Solutions Privacy Policy

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

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• ‘Father-in-law is selling us whole life insurance’
• 'Brother isn't buying us out of an inherited home’
• ‘Open a food truck or a brick and mortar?’
• ‘My wife & I don't share the same views financially'
• ‘Am I hurting my family's financial future?’
• 'Will I even be able to become debt free?'

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 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!

🏆 Take control of your money in 2025! Register for the free livestream.

🎟️ Get $100 Off Money & Marriage Getaway with code CHRISTMAS.

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

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

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

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

📱Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Ken Coleman answer your questions and discuss:

• ‘I haven't filed taxes since 2020’
• 'I don't feel like we can catch up on our finances’
• ‘My mom did a home remodel without permits’
• ‘Fiancée's parents want me to sign a prenup'
• ‘What do I do after losing my business to a fire?’
• Discussion about what "being managed out" means.

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!
• 💻 Visit NetSuite today to learn more
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George Kamel & Dr. John Delony answer your questions and discuss:

• "I spent $40K during a manic episode,"
• "I turned $1k into $380k with Tesla stock; should I sell it?"
• "Should I leave anything to my estranged son?"
• "We lost everything to a hurricane,"
• "My husband is spoiled and I lack boundaries,"
• "I keep overdrafting my account"

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

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "My mom is asking me to share my late father's life insurance,"
• "My wife bought me an expensive Lego set behind my back,"
• "Am I a jerk for not wanting a mortgage?"
• "I bought a truck and then found Dave Ramsey..."
• "Is giving the bank our money biblically immoral?"
• "My wife is pestering me to take a vacation,"
• "My grandma opened a credit card in my name,"

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Dave Ramsey & George Kamel hear stories of outrageous generosity from our listeners. Find out how much fun you can have giving away money on our 2024 Annual Giving Show!

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

• "My father-in-law owes us $100k and now he wants to put up our house for collateral,"
• "How do I financially prepare to have a child?"
• "My husband says I "sucked the fun" out of his hobby,"
• "My mother-in-law sticks her nose into everything,"
• "How do I tackle $100K of debt?"

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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "Should I buy a $250K supercar?"
• "I borrowed from my parents to start a business,"
• "How do we steer our daughter's career choice?"
• "Should I be involved in my husband's business?"
• "I'm unsuccessfully tried to settle my debts,"
• "How do I budget my starting salary?"

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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "Should I invest while in college?"
• "Should guests pay for meals at our wedding?"
• "My late husband hid our finances from me"
• "I have a big problem..."
• "How do I budget an irregular income?"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

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Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "How do we divide a gift when buying together?"
• "Why should I have a 15-year mortgage?"
• "I co-signed for a truck with my ex-fiancee,"
• "My husband's employer hasn't paid him..."
• "How do I budget with an irregular income?"
• Asking for a friend: What are tax withholdings?

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Ramsey Solutions Privacy Policy

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

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Dave Ramsey & George Kamel answer your questions and discuss:

• "Should I fix my car or buy another one?"
• "Living paycheck-to-paycheck on $600K a year,"
• "How do I get my wife on board with the plan?"
• "How does compound interest work on multiple accounts?"
• "Should I get my fiancé to sign a prenup?"
• "How much house can I afford?"
• "My parents are kicking me out for failing college?"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "How do I recover after a bankruptcy?"
• "Should I go into debt to visit my sick parents?"
• "Do I have enough saved to be self-insured?"
• "Should I go into a partnership with my attorney?"
• "Can you explain what a 'shared mortgage' is?"

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Listen to more from Ramsey Network

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Ramsey Solutions Privacy Policy

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

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should I invest in a whole life policy?"
• "My mom has a bad plan, how do I talk her out of it?"
• "Should I put down less than 20% on a home?"
• "My wife wants to leave me after I hid $26K of debt,"
• "Should I buy my friend a car?"
• "My 401(k) was closed without my knowledge"

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
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Ramsey Solutions Privacy Policy

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

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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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• 🏦 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
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Next Steps

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Ramsey Solutions Privacy Policy

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

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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?"

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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
• 💵 Learn more about Timothy Plan
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Next Steps

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🎁 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!

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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?"

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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

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🛒 Shop weeklong Cyber Monday deals starting at $10! 

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

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🎁 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

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💼 The Ken Coleman Show

📈 EntreLeadership

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📈 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,"

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 & 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
• ◎ 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!

🎄 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."

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