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More Debt Is Never the Way out of a Tough Situation

"Dave, Our Friends Dared Us To Call You"

⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ send us an email⁠⁠. Connect with our Sponsors: Learn more about ⁠⁠Christian Healthcare Ministries⁠⁠ Get 20% off when you join ⁠⁠DeleteMe⁠⁠ 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!  Explore more from Ramsey Network: 🎙️ ⁠⁠The Ramsey Show⁠⁠   🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡⁠⁠ The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ ⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

"You Spend And Rationalize Like You're In Congress!"

⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ send us an email⁠⁠. Connect with our Sponsors: Learn more about ⁠⁠Christian Healthcare Ministries⁠⁠ Get 20% off when you join ⁠⁠DeleteMe⁠⁠ 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!  Explore more from Ramsey Network: 🎙️ ⁠⁠The Ramsey Show⁠⁠   🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡⁠⁠ The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ ⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt Can’t Be Your Normal Anymore

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠ Jade Warshaw and Dr. John Delony answer your questions and discuss: "How should I help my son who's going through rehab again?" "My financial advisor is telling me to not pay off my debt. I don't trust him, what should I do?" "Why do you promote giving money away in Baby Step 7? Isn't that the opposite of building wealth?" "I keep losing jobs and now I'm drowning in debt. How do I move on from here?" "I'm worried it's too late for me to save enough for retirement..." "How do I get rid of my credit score?" "Should I buy a car that doesn’t make financial sense?" "Can I afford a trip to Las Vegas to see Dolly Parton?" "A third of my income goes to debt payments, how can I get ahead?" "How do I handle entering a marriage with debt without feeling guilty for bringing my fiancé down?" "I manage a $4 million dollar portfolio, what should I say to everyone that keeps asking for money?" Next Steps: ✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠  📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ ✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠ 📱 ⁠⁠Download the free Ramsey Network app! ⁠⁠ 💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠ 📊 Free Tools & Resources to Help You With Investing 🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠ 📖 Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now! Connect with our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠ Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠ Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today! 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 Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠ To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠ Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠ 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!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠ 🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠ 🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠ 💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠ 💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠ 🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠ Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

"Your Brother Is A Moocher And Your Dad Is Weak"

⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ send us an email⁠⁠. Connect with our Sponsors: Learn more about ⁠⁠Christian Healthcare Ministries⁠⁠ Get 20% off when you join ⁠⁠DeleteMe⁠⁠ 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!  Explore more from Ramsey Network: 🎙️ ⁠⁠The Ramsey Show⁠⁠   🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡⁠⁠ The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ ⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Car Payment Is $2,400 A Month And We're Under Water

⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ send us an email⁠⁠. Connect with our Sponsors: Learn more about ⁠⁠Christian Healthcare Ministries⁠⁠ Get 20% off when you join ⁠⁠DeleteMe⁠⁠ 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!  Explore more from Ramsey Network: 🎙️ ⁠⁠The Ramsey Show⁠⁠   🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡⁠⁠ The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ ⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Your Future Self Is Counting on You

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠ Ken Coleman and Jade Warshaw answer your questions and discuss: "We have $340,000 of debt, how do we get out of this?" "I'm about to be laid off, should I find another job or just retire?" "How much can I spend now without hurting my future self?" "My mom told me I'm her retirement plan. How do I tell her I can't do this?" "How do I control my husband's spending when we have separate finances?" "I had a stroke and it wiped out all my money and now I'm about to be homeless. What do I do in this situation?" "I just found out my fiancée has $65,000 of debt. Should I help her pay it off now?" Next Steps: ✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠  📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ ✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠ 📱 Get episodes early in the free Ramsey Network app!  🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. 📖 Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now! 💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠ 🛡️Protect yourself with trusted insurance coverage that fits your budget Connect with our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠ Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠ Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today! 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 Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠ To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠ Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠ 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!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠ 🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠ 🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠ 💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠ 💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠ 🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠ ⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

"You Just Gave Your Roommate Your Credit Card"

⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ send us an email⁠⁠. Connect with our Sponsors: Learn more about ⁠⁠Christian Healthcare Ministries⁠⁠ Get 20% off when you join ⁠⁠DeleteMe⁠⁠ 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!  Explore more from Ramsey Network: 🎙️ ⁠⁠The Ramsey Show⁠⁠   🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡⁠⁠ The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ ⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

How do I Budget With My Girlfriend After We Move In Together?

⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ send us an email⁠⁠. Connect with our Sponsors: Learn more about ⁠⁠Christian Healthcare Ministries⁠⁠ Get 20% off when you join ⁠⁠DeleteMe⁠⁠ 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!  Explore more from Ramsey Network: 🎙️ ⁠⁠The Ramsey Show⁠⁠   🧠 ⁠⁠The Dr. John Delony Show⁠⁠ 🍸 ⁠⁠Smart Money Happy Hour⁠⁠ 💡⁠⁠ The Rachel Cruze Show⁠⁠ 💰 ⁠⁠George Kamel⁠⁠ ⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠ 📈 ⁠⁠EntreLeadership⁠⁠ ⁠⁠Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Money Magnifies What’s Already Broken In Your Relationships

🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠ George Kamel and Jade Warshaw answer your questions and discuss: "How do I protect myself from my husband's gambling addiction?" "Should I pay off my sisters' student loans with my inheritance?" "I want to pay off debt but my wife doesn't. What should we do?" "Should I sell the family property that was gifted to me?" "How do we pay off debt when I can't get a job?" "Should I help my mom buy a vacation home?" "I know nothing about investing. Where do I start?" "My family is going through a crisis. Should I adjust my estate plan?" "How do my sisters and I navigate splitting up the home and land we inherited?" Next Steps: ✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠  📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠ ✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠ 📱 ⁠Download the free Ramsey Network app! ⁠ 💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠ ❤️‍🩹 ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠ 🏠 ⁠Get organized and prepared to buy or sell a home. ⁠ 🛡️Learn more about how to protect yourself from identify theft Connect with our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠ Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠ Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today! 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 Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠ To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠ Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠ 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!  Explore more from Ramsey Network: 💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠ 🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠ 🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠ 💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠ 💰 ⁠⁠⁠George Kamel⁠⁠⁠ 🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠ 📈 ⁠⁠⁠EntreLeadership⁠⁠⁠ ⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices