The Ramsey Show podcast

The Ramsey Show

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

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

 

#180

To Change Your Results You Have To Change Your Behavior

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) 📱 [Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-09&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=usao%20episode%202%20release&af_ad=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=usao%20episode%202%20release&utm_term=ramsey_network_bu&utm_content=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924) 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? Support Our Sponsors: ---🌱 Get 10% off your first month of [ BetterHelp] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com/) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎟️ [Get Tickets to the Money & Relationships Tour] (https://ter.li/r0koog) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/kc228e) 🎁 [Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.] (https://ter.li/3b7mff) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

21 hrs Ago

1 HR 29 MINS

1:29:08

21 hrs Ago


#179

How to Escape Living Paycheck to Paycheck

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) 📱 [Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-09&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=usao%20episode%202%20release&af_ad=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=usao%20episode%202%20release&utm_term=ramsey_network_bu&utm_content=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924) 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?" Support Our Sponsors: ---🌱 Get 10% off your first month of [ BetterHelp] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com/) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎟️ [Get Tickets to the Money & Relationships Tour] (https://ter.li/r0koog) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) 🎁 [Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.] (https://ter.li/3b7mff) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

Yesterday

1 HR 28 MINS

1:28:45

Yesterday


#178

If You Want To Be a Millionaire, Do What Millionaires Do

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-09&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=usao%20episode%202%20release&af_ad=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=usao%20episode%202%20release&utm_term=ramsey_network_bu&utm_content=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924) 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?" Support Our Sponsors: ---🌱 Get 10% off your first month of [ BetterHelp] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) 🎁 [Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.] (https://ter.li/3b7mff) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

10 Dec 2024

1 HR 28 MINS

1:28:22

10 Dec 2024


#177

Building Wealth Starts With Setting Aggressive Goals

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) 📱 [Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-09&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=usao%20episode%202%20release&af_ad=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=usao%20episode%202%20release&utm_term=ramsey_network_bu&utm_content=usao%20episode%202%20release%20-%20shownotes%20-%20watch%20united%20states%20of%20anxiety%20exclusively%20on%20the%20free%20ramsey%20network%20app%20-%20120924) 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" Support Our Sponsors: ---🌱 Get 10% off your first month of [ BetterHelp] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎟️ [Get $100 Off Money & Marriage Getaway with code CHRISTMAS.] (https://ter.li/dq23yw) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

09 Dec 2024

1 HR 27 MINS

1:27:58

09 Dec 2024


#176

Don’t Overcomplicate Building Wealth, Keep It Simple

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-06&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120624&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120624) 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?" Support Our Sponsors: ---🌱 Get 10% off your first month of [ BetterHelp] (https://www.betterhelp.com/Delony) --- [◎ Get 10% off ] (https://ter.li/iod9vg) [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) --- [🏡 Get started today with] (https://ter.li/iod9vg) [ Churchill Mortgage] (https://www.churchillmortgage.com/) --- [🔒 Get 20% off when you join ] (https://ter.li/iod9vg) [DeleteMe] (https://www.joindeleteme.com/Ramsey) --- [🏦 Go to] (https://ter.li/iod9vg) [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) --- [💵 Learn more about ] (https://ter.li/iod9vg) [Timothy Plan] (https://www.timothyplan.com/) --- [🏛 Get started with ] (https://ter.li/iod9vg) [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🏠 [Get organized and prepared to buy or sell a home.] (https://ter.li/t373z4)   💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎁 [Cyber Monday Extended Deals as low as $8] (https://ter.li/i1xn7q) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) Listen to more from Ramsey Network 🎙️ [The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

06 Dec 2024

1 HR 27 MINS

1:27:29

06 Dec 2024


#175

Get Out of the Cycle of Debt and Choose Peace Instead

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-05&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120524&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120524) 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] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎁 [Cyber Monday Extended Deals as low as $8] (https://ter.li/i1xn7q) 🏠 [Get organized and prepared to buy or sell a home.] (https://ter.li/t373z4)   🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) Listen to more from Ramsey Network 🎙️ [The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

05 Dec 2024

1 HR 28 MINS

1:28:32

05 Dec 2024


#174

Don’t Let Your Present Circumstances Define Your Future

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-04&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120424&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120424) 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] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🛒 [ Shop weeklong Cyber Monday deals starting at $10! ] (https://ter.li/sg0v16) 🏠 [Get organized and prepared to buy or sell a home.] (https://ter.li/t373z4)   💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎁 [Cyber Monday Extended Deals as low as $8] (https://ter.li/i1xn7q) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

04 Dec 2024

1 HR 28 MINS

1:28:30

04 Dec 2024


#173

Debt Is a Trap That Will Hold You Back From Building Wealth

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-03&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120324&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120324) 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] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🛒 [ Shop weeklong Cyber Monday deals starting at $10! ] (https://ter.li/sg0v16) 🏠 [Get organized and prepared to buy or sell a home.] (https://ter.li/t373z4)   💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎁 [Cyber Monday Extended Deals as low as $8] (https://ter.li/i1xn7q) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

03 Dec 2024

1 HR 27 MINS

1:27:17

03 Dec 2024


#172

Debt Is Never the Problem, It’s Always the Symptom

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-12-02&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120224&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20120224) 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] (https://www.betterhelp.com/Delony) ---◎ Get 10% off [Byrna] (https://www.byrna.com/dave) product bundles and more! ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---💵 Learn more about [Timothy Plan] (https://www.timothyplan.com) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🛒 [ Shop weeklong Cyber Monday deals starting at $10! ] (https://ter.li/sg0v16) 🏠 [Get organized and prepared to buy or sell a home.] (https://ter.li/t373z4)   💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/tkaaev) 🎄 [Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!] (https://ter.li/8hx6uj) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

02 Dec 2024

1 HR 28 MINS

1:28:37

02 Dec 2024


#171

A Large Income Won’t Protect You From Debt

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-29&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112924&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112924) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/k6fvrw) 🛒 [Black Friday deals are here! Get meaningful gifts for as low as $8!] (https://ter.li/zfszro) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

29 Nov 2024

1 HR 27 MINS

1:27:55

29 Nov 2024


#170

Bad Money Habits and Good Relationships Don’t Mix

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-28&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112824&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112824) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/k6fvrw) 🛒 [Black Friday deals are here! Get meaningful gifts for as low as $8!] (https://ter.li/zfszro) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

28 Nov 2024

1 HR 27 MINS

1:27:32

28 Nov 2024


#169

Are you Stuck in the Paycheck-to-Paycheck Grind?

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-27&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112724&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112724) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎁 [Black Friday Start Now with Deals as low as $8.] (https://ter.li/slyswg) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

27 Nov 2024

1 HR 28 MINS

1:28:09

27 Nov 2024


#168

You Can’t Outearn Bad Spending Habits Forever

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-26&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112624&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112624) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z) 🛒 [Black Friday deals are here! Get meaningful gifts for as low as $8!] (https://ter.li/zfszro) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

26 Nov 2024

1 HR 28 MINS

1:28:35

26 Nov 2024


#167

Building Wealth Is About More Than Just Math

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-25&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112524&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112524) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z) 🛒 [Black Friday deals are here! Get meaningful gifts for as low as $8!] (https://ter.li/zfszro) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

25 Nov 2024

1 HR 27 MINS

1:27:19

25 Nov 2024


#166

Affordable Gifts People Will Actually Love

🍸 [Check out more episodes of Smart Money Happy Hour] (https://www.ramseysolutions.com/shows/smart-money-happy-hour?utm_source=smhh_podcast%20-%20apple,%20spotify&utm_medium=audio&utm_campaign=rn_crosspromotion&utm_term=ramsey_network_bu&utm_content=rn_crosspromotion%20-%20shownotes-listentomoreramseynetwork-121523#play) 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] (https://www.amazon.com/Lexenic-Vacuum-Insulated-Hybrid-Cocktail/dp/B0B51JZTLK/ref=sr_1_1_sspa?adgrpid=1339207539793064&dib=eyJ2IjoiMSJ9.5Mx9taFzSvoIcnL8GqyvWWchhnriqHVl4c39ukTSP4HtUxDmHJJrsVxA04w6EcbqPVBfFWrF3PVVd47LQ7Gx4o_RSsIm1ze-VnocuSHov7__fvY3WKE6h7BAyJGXtF1txadM4OQ8MDHy7fKHNFQV4Z-2Y7us_H0B-NNaPxSg84UXVRQk1Q_QS-zbBrGqxi_qaSuyUilsU6ON1Wrawp3UZOgaMVrPkZ6fjWr1QLBB8yNdiHFcXgdkYbUz2BjlOXOk-xB18i2iQ_ho2Sd0YKsF-Enz8xhxMzhfT0GVBYoRGw8.pq3L2NiRQD6WmTw5yO1LONlCxhatSv1xNTOcX9FgTo0&dib_tag=se&hvadid=83700728945059&hvbmt=bb&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=b&hvtargid=kwd-83701503283207%3Aloc-190&hydadcr=27919_14484107&keywords=cocktail+shaker+that+doesn%27t+stick&msclkid=7b626d835f401448ec110aa3a6ba75e5&qid=1730214670&sr=8-1-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&psc=1)   --- [Vintage cocktail book] (https://www.amazon.com/How-Mix-Drinks-Bon-Vivants-Companion/dp/1473328179/ref=asc_df_1473328179?tag=bingshoppinga-20&linkCode=df0&hvadid=80401977761466&hvnetw=o&hvqmt=e&hvbmt=be&hvdev=c&hvlocint=&hvlocphy=&hvtargid=pla-4584001440467356&psc=1) People Who Love to Cook --- [Meat chopper] (https://www.pamperedchef.com/shop/Kitchen+Tools/Utensils/Mix+%27N+Chop/2583) --- [Citrus squeezer] (https://www.amazon.com/Squeezer-Monkkino-Juicer-Handheld-Stainless/dp/B08CT9Y4FJ/ref=sr_1_6?dib=eyJ2IjoiMSJ9.FUAdWBnz69hITCtpdDLrhVF2FRzQWuWKnzpT79LH1edVPYf-OP7Fk4Os5aYdTimDFntD-fSIzkp8AXvj8Y8H8G7R3L-vBBJBqt2oq5fXKHBabc7lb0IZwUGFKuKIlSodCAy0__qixiC_cKPXc-G0F6w5dtm7HsSF2tnf0aAog2zgvGtLD3TbmEly7JWKsyOMldbvNHMvl75hg18hVziDkm30h8zTanSu6kLNLfOLz4Oqm66RgtLtqfg-DBGxj0pxzp3Tx6tMSO7LIbRJNXrn4qp86DOnrliydGZj_K7swyw.uaX6MNGfRRiBlGCzKamoBQzyISRpBTz77mQob4M0YP0&dib_tag=se&hvadid=694970685729&hvdev=c&hvexpln=67&hvlocphy=1025990&hvnetw=g&hvocijid=15431312936781105553--&hvqmt=e&hvrand=15431312936781105553&hvtargid=kwd-416494574594&hydadcr=28546_14528974&keywords=citrus+squeezer+amazon&qid=1729628175&sr=8-6) Tech and Gadget Lovers --- [Cordless phone charger] (https://www.amazon.com/Azmuth-Wireless-Portable-10000mAh-Compatible/dp/B0CTC9B9G5/ref=sr_1_2_sspa?crid=3BUR3XK2ZV8KK&dib=eyJ2IjoiMSJ9.QphMchtWUO1Ae7KlstmLVteP6FtByXr4ZP-TnaHIHw4q7pLAbBJlYYrFETepPhQJ9tHf0ZwXPEaRNnxCIoSvkEicqwz03XwmU242QvItZERf6DrIvCb_uOLRSK0r322ESXqZWoZ2-n_xpRunpbP6A40xH5fogNxkU-V4qVB97xRvLCdOIZr1xIIL3mv_cB4AW9tJb8bMFYE0JQHyZq0ms8sVbQS7bjks7lD5n7ChIeM.CGwrxupmYMqFWiN1AwUxvv8GMMFXRXFbQS65FBd-M14&dib_tag=se&keywords=magnetic%2Bphone%2Bcharger%2Biphone%2Bmagsafe&qid=1730215077&sprefix=magnetic%2Bphone%2Bcharger%2Biphone%2Bmagsafe%2Caps%2C109&sr=8-2-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&th=1) --- [Extended-length phone charger cable] (https://www.amazon.com/Charger-Cabepow-Certified-Charging-Lightning/dp/B09DFGXRTG/ref=sr_1_3?dib=eyJ2IjoiMSJ9.ZHrd6HffXBPNpzuJi-tK0BrTYORrQnHIZh4Ph1hslYIGjbmrF432VEc_i6c4pzTnKSXb60qZ6bTJPUy-pwCwXuliYSt9e0Yx6NnKxzvWUz-KT-aVCLhQyBP7ih-Jgq6aitC5HZmzgQL9Z-bUL5R2fqxLGt8AhTVQDjAOpqLoNtMYZ5G1jY2mPBsfFg9mbWjQkauPl44b1GBI9nyJW7_yMJu3TITXukRE9Cdlmktw-as.3LQyDnOZGVN_nI7YEnEvOEq7atl408VOJOd3GHGwaJo&dib_tag=se&keywords=12%2Bfoot%2Bphone%2Bcharger&qid=1730215158&sr=8-3&th=1) Kids --- [Digital camera] (https://www.amazon.com/AiTechny-Digital-Pictures-Portable-Beginner/dp/B0DFW4RR1H/ref=sxin_16_pa_sp_search_thematic_sspa?adgrpid=1339205729937080&content-id=amzn1.sym.76d54fcc-2362-404d-ab9b-b0653e2b2239%3Aamzn1.sym.76d54fcc-2362-404d-ab9b-b0653e2b2239&cv_ct_cx=kids%2Bdigital%2Bcamera&dib=eyJ2IjoiMSJ9.juASUc7zwY4Yjdsz9G0yh8WcwTJ0ME2SYVFF58OB11SAORdswW5ECmPUD41BCp85vkTWv4TMooXFMSPCuDxMyQ.ec83AEx3z-LgwAoB0yw99xeNlmSFCqeK3jSWP2KFnkQ&dib_tag=se&hvadid=83700744891131&hvbmt=be&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=e&hvtargid=kwd-83700710302561%3Aloc-190&hydadcr=24656_13769936&keywords=kids%2Bdigital%2Bcamera&msclkid=6ac8495f64101ddadeb22e7f9e362a8b&pd_rd_i=B0CM6L73VQ&pd_rd_r=4fe6f179-541f-456c-ab46-928072cf5453&pd_rd_w=rqZ2M&pd_rd_wg=oRgbf&pf_rd_p=76d54fcc-2362-404d-ab9b-b0653e2b2239&pf_rd_r=EP9QX4D1NT6MA2F4ZRJZ&qid=1730215206&sbo=RZvfv%2F%2FHxDF%2BO5021pAnSA%3D%3D&sr=1-2-6024b2a3-78e4-4fed-8fed-e1613be3bcce-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9zZWFyY2hfdGhlbWF0aWM&th=1) Parents/Grandparents --- [Neck fan] (https://www.amazon.com/Rohent-Neck-Fan-Portable-Outdoor/dp/B0D89ZFFZ3/ref=sr_1_8?adgrpid=1337006705326054&dib=eyJ2IjoiMSJ9.BlEF233CSqP8vJoVxBGR4eKZSw840h5FykDp7-eYPMQK9Zd2IivFcAZxs7FdS8xQqrCRNm1ZO4LvzsmrCQ7qbEDPU5SDt1gyM6ANHu6gzLV5ctcU7i9q-1EWzlYPYXn7ikrkBUAjgCxAUrEueS4GTH2-gh8J1wlqdmuZXREK4x1_eeEpFVxkl8IDZwCgubyeACWUS9V8U00Ss6L9ICXMZxTk-AJhQ1xRHPQlRTtC2J7yzUWgM7iKD7xD1WoDKP68j58ph2bZ2MXmgH8RcCAqVq_XFO_fwE-5iBbs_cHyt9g.CcHmQvDqevnBT-ZX-AbdrHoyjZcN_7iTPwuAGE67vUU&dib_tag=se&hvadid=83562990261173&hvbmt=be&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=e&hvtargid=kwd-83563267552375%3Aloc-190&hydadcr=26613_9987488&keywords=neck%2Bfan&qid=1730215330&sr=8-8&th=1) --- [Foot spa] (https://www.amazon.com/Massage-Control-Collapsible-Massager-Vibration/dp/B09WZF8TSG/ref=sr_1_6?crid=35F27OTH9NWK3&dib=eyJ2IjoiMSJ9.sqYa4_cZhnbGudGY0xEOw89VN1E7G_9stK3dSALenBLZd0zFacneS1cBmAJHp7SDFxewKa0yDxgo7dGWFZlFiSSKn70gMTqCrG8UUmfM_1gYPyUne-ip7lmBazQjrr2AA1FRVylCWETXxNIftJ7ByTgoXql-IoMQqkp0ygyozjLvs2jnpPVmcge1dEidSDGr9BlxGmYcD4qar10E2R7dpzyjmIlHNWMus2Zjkezd32aQ0fwvmAZTkehHtIvdAdi1SJXe7c_LEyPAidILjBxxMCU5HS-ZcAI84lUt7pSA46w.7ygLW1w6bKYtooH-AuSrQEtzCrm2GjfM0ej45n2v1Hg&dib_tag=se&keywords=foot+spa&qid=1730215402&s=beauty&sprefix=foot+sp%2Cbeauty%2C112&sr=1-6) --- [Massage gun] (https://www.amazon.com/Massage-Tissue-Percussion-Massager-Athletes/dp/B09JBCSC7H/ref=sr_1_3_sspa?c=ts&dib=eyJ2IjoiMSJ9.aCazWr6JW0kB3yccTqkHMfPb40m7ZqWYcXTI9plZmzsJAfSg1lqElwEzX6oFarRxWkEAufBL1GJsa8PKf2KTzjPP1htMDQGiGpZxhuc6tAXSxfvSm44jb2L4Y2R81Kr6N9sOdwOh3Ru7CSCPnmuE0hUDd5Uj3dJ2Jm9R-risdC_xbo_iaP-jiOuhe8u4aFmYe7hb_QCCHOqxM5JgkKWWRC8Gv_Nmb9O0GGlqmibSL6cOYcPqW91QpwJ0lejlyrdD8EVL4gk99bdj4eTsE_xKI67xTfjs9fWsn3whWU6lbqE.as6M7CC1wISLRPJaF51dWL2WGD5IneTPxaugjbbgrCw&dib_tag=se&keywords=Electric+Massagers&qid=1730215516&s=hpc&sr=1-3-spons&ts_id=3767521&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&psc=1) --- [DeleteMe] (https://www.joindeleteme.com/SmartMoney) Spouse --- [Coffee subscription] (https://atlascoffeeclub.com/collections/coffee-subscription-service) --- [Flower delivery] (https://freshsends.com/collections/send-gifts) White Elephant/Dirty Santa --- [Milk frother] (https://www.amazon.com/Bonsenkitchen-Powerful-Handheld-Stainless-Wand-Black/dp/B076F3C4XP/ref=sr_1_2_sspa?adgrpid=1340305237253753&dib=eyJ2IjoiMSJ9.lvCZN-ezz1LSf_WHfQFvzx1etvTNSByT8a_vls3pklyW3EPA8Ou_nEboA_PTiqwJqpE8Tri_CJ4XPBJqwCIq0MvuT63TCKfGMK73mo2m-Bo2ygODtij7dyAcgq2wDJQynIMISZjg7e4rwRDOczKv6ZTQ5cd-6eESHliC-Gk6OH3DPz45MNm_-7JOC8Zl84DboAMujbsmmpw_PXmyzL8aCtyiZ9I3cOM1FsggtZh1bK10ZpTVUskUiQ3KzXMh8KlrRtRBFP-hmbK_-l5MVJvg5ISGm4WHw8NapAbmPPzlBmE.Ooh2gzSS69u-QPtC4R8mBK2fcvAoZxkXkyNKI5Dj8eI&dib_tag=se&hvadid=83769226921376&hvbmt=be&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=e&hvtargid=kwd-83769418750373%3Aloc-190&hydadcr=24663_13493294&keywords=milk+frother&msclkid=52d502b764c11393cba565979eb0355f&qid=1730215911&sr=8-2-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&psc=1) --- [Wine decanter] (https://www.amazon.com/Decanter-Aerator-Stainless-Lead-free-Crystal/dp/B07R5FNNJ6/ref=sr_1_2_sspa?adgrpid=1345802795181598&dib=eyJ2IjoiMSJ9.ZCwACWYqdxzNfZnj6kj2bE6aKsDDN9EXdV-PbuO9Mo03dxSsFjVlRJUyt5yOgLmO8P2DsapeE3vO_anjfgZQlocA7dYplm_c3lD4kEEGc9V0JCEjbksCvnVTTF617E4zliLRPj70XNcZe9dRRdRamikEfS3KUuHYQoon0gOtw4hFQKLnLxHXC6HbR0Vk2nEGpHeWMYc_4ZATz75OQ7RdyR2wvntZROQygs4eVx40gALWbum9hzRvxN1uuCBM2-Lxp-SziF0gkY2TdPvmuGKqIRdMTllo5T3AaBzjLkVTAHs.11vV6HVcSErXuaDowCi3JrtkTZJHNv7nCqbmS7zWXBM&dib_tag=se&hvadid=84112889708830&hvbmt=be&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=e&hvtargid=kwd-84113015386989%3Aloc-190&hydadcr=27884_14484159&keywords=wine+decanter+amazon&msclkid=45e31bcc2db91d4dc3b27ced2d99942a&qid=1730215969&sr=8-2-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&psc=1) “Take the Hint” Gifts --- [Apple AirTag] (https://www.amazon.com/Apple-MX532LL-A-AirTag/dp/B0CWXNS552/ref=sr_1_3_pp?adgrpid=1341405895030714&dib=eyJ2IjoiMSJ9.eJ4jVW3fBNhHFl2sL9cZHA8cvUGOgxHqKulaZ3vRm7SHRLnHwAwR7MAf9rKzeekvBu93RXjkvMTaFp4iKPJilYOuhcmlwbHDKt2-eKHqzZAHiQftGMoBXChzBZQ1wzMiGQmcOSdAlNco3O1xymXI9-mzQECeRX9pEKtoHRhY9W79ED74cEeShNl0kHX0ovw1VDXCYIjl0ScdYVW4RBicUyYKnXl9pVwrCtIveDsLFeM.m717FN3lpAvNF0hdbGAjUo0qWJNV1ka6OCLPqCRAmi8&dib_tag=se&hvadid=83838149402338&hvbmt=be&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=e&hvtargid=kwd-83838910228094%3Aloc-190&hydadcr=18831_13353445&keywords=apple+air+tags-&qid=1730216050&sr=8-3) --- [Rachel’s favorite self-help book: The Anxious Generation by Jonathan Haidt] (https://www.amazon.com/Anxious-Generation-Rewiring-Childhood-Epidemic/dp/0593655036/ref=sr_1_1?adgrpid=1339207587271992&dib=eyJ2IjoiMSJ9.tHORxLq4kciAt0QZvgx2vo6XSB5OeB6nABM-mOIaoW1LUIgGVxZb0lJfmGGTEQ1S6q8yvYDKqeCm5hFjdi0v0XauNtJc7b0wSktsNFYnnL5AZMopYT0Cib-Dd8E2u3QZp0PeyiN4p_MmlF9Ap4jcNOBfJe8deaDJ07RdP43PD9TZIWKMNm93no-fHpMwqiV6nbD4F2qo642GJFGl4ERMCiHBVETJn9DkHVXkIOUFvcg.l5QeDoS-GojVKcX3cr1VBEJ6TsueJA2b1inC3USwNO0&dib_tag=se&hvadid=83700740576625&hvbmt=be&hvdev=c&hvlocphy=83346&hvnetw=o&hvqmt=e&hvtargid=kwd-83701544247682%3Aloc-190&hydadcr=20366_13323242&keywords=the+anxious+generations&msclkid=a4c86a80417b1cbb00850da0bbf407be&qid=1730216095&sr=8-1) --- [Ramsey Solutions official store] (https://store.ramseysolutions.com/) (Black Friday deals) For the One Who Has It All --- [Customized sign/art] (https://www.etsy.com/listing/1155750353/lake-house-welcome-sign-custom-wood-lake?ga_order=most_relevant&ga_search_type=all&ga_view_type=gallery&ga_search_query=personalized+lake+house+signs&ref=sc_gallery-1-3&pro=1&frs=1&plkey=29663549e028c64e38f7886b11cf748f6243edcd%3A1155750353) --- [Cozy Earth products] (https://cozyearth.com/pages/smartmoney) (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] (https://www.amazon.com/Drinking-Two-Nutritious-Mom-Be/dp/1944515828/ref=sr_1_2?crid=2ALVPST6MA97F&dib=eyJ2IjoiMSJ9.drGkgwt7HvxPSPrmr9_Nmo-I_PVe5_lh0lf6KnGoTRXozyoSSb6jYwAhlryULwgFnlA1cXX4EKXgK44tH6spWyvJN5NLoCrIu5R0n3adPJrE8_qn4x-5Cj6mlBfX-a_VhNkbG-ctpZglRSFRiamd0uHYmnmbhoCrukHx8whEQSMFc22aAd8jl8Qq2fuW2THFyJR4NELvZwteWRyETbPgmrhon2LdhSe56cTStZpiahA.OjdareBzlhofTy4V11ciYgCdCYJQ3NtWRmfaUL1knIw&dib_tag=se&keywords=three+littles+mocktail+book&qid=1730217511&sprefix=three+littles+mocktail+boo%2Caps%2C104&sr=8-2) ... Read more

23 Nov 2024

33 MINS

33:10

23 Nov 2024


#165

What if You Could Build a Life That Didn’t Exhaust You?

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-22&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112224&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112224) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z) 🎄 [You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.] (https://ter.li/kc228e) 🩺 [Find the Right Health Coverage During Open Enrollment] (https://www.ramseysolutions.com/insurance/health-insurance-comparison?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2024_aep_and_oe_campaign&utm_term=protections_bu&utm_content=2024_aep_and_oe_campaign%20-%20shownotes%20-%20health%20coverage%20-%20111224) 🎁 [50 days of Christmas deals are here! Get 30% off meaningful gifts.] (https://ter.li/bb9dny) 🎟️ [Get Tickets to the Money & Relationships Tour] (https://ter.li/r0koog) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

22 Nov 2024

1 HR 28 MINS

1:28:09

22 Nov 2024


#164

What Are You Willing To Sacrifice To Get Out of Debt?

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-21&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112124&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112124) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎄 [You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.] (https://ter.li/kc228e) 🩺 [Find the Right Health Coverage During Open Enrollment] (https://www.ramseysolutions.com/insurance/health-insurance-comparison?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2024_aep_and_oe_campaign&utm_term=protections_bu&utm_content=2024_aep_and_oe_campaign%20-%20shownotes%20-%20health%20coverage%20-%20111224) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z) 🎁 [50 days of Christmas deals are here! Get 30% off meaningful gifts.] (https://ter.li/bb9dny) 🛳️ [Live Like No One Else Cruise] (https://ter.li/6xw23z) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

21 Nov 2024

1 HR 27 MINS

1:27:29

21 Nov 2024


#163

Building Wealth Is a Journey – Don’t Rush the Process

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-20&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112024&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20112024) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for 18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🩺 [Find the Right Health Coverage During Open Enrollment] (https://www.ramseysolutions.com/insurance/health-insurance-comparison?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2024_aep_and_oe_campaign&utm_term=protections_bu&utm_content=2024_aep_and_oe_campaign%20-%20shownotes%20-%20health%20coverage%20-%20111224) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z) 🎄 [You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.] (https://ter.li/kc228e) 🎁 [50 days of Christmas deals are here! Get 30% off meaningful gifts.] (https://ter.li/bb9dny) 🎟️ [See Dave and John LIVE in a city near you!] (https://ter.li/pi7p7m) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

20 Nov 2024

1 HR 27 MINS

1:27:39

20 Nov 2024


#162

Don’t Look for a Hack When You Need a Grind

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-19&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20111924&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20111924) 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] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z%20) 🎄 [You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.] (https://ter.li/kc228e) 🩺 [Find the Right Health Coverage During Open Enrollment] (https://www.ramseysolutions.com/insurance/health-insurance-comparison?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2024_aep_and_oe_campaign&utm_term=protections_bu&utm_content=2024_aep_and_oe_campaign%20-%20shownotes%20-%20health%20coverage%20-%20111224) 🛳️ [Live Like No One Else Cruise] (https://ter.li/6xw23z) 🛒 [Shop the online store at Ramsey Solutions] (https://ter.li/yszlm2) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

19 Nov 2024

1 HR 28 MINS

1:28:03

19 Nov 2024


#161

Learn the Power of the Magical Word, “NO”

📈  [Are you on track with the Baby Steps? Get a Free Personalized Plan] (https://ter.li/degkjb) [📱Watch the full episode for free in the Ramsey Network app.] (https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2024-11-18&navigationtype=episode&deep_link_value=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20111824&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today's%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20111824) 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] (https://www.instagram.com/jimmydarts/) ) Support Our Sponsors: ---🌱 Get 10% off your first month of [ BetterHelp] (https://www.betterhelp.com/Delony) ---🏥 Learn more about [ Christian Healthcare Ministries] (https://www.chministries.org/budget) ---🏡 Get started today with [ Churchill Mortgage] (https://www.churchillmortgage.com/) ---🔒 Get 20% off when you join [DeleteMe] (https://www.joindeleteme.com/Ramsey) ---🏦 Go to [ FAIRWINDS Credit Union] (https://www.fairwinds.org/ramsey) for an exclusive account bundle! ---🥗 Save 15% on your first [Field of Greens] (https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey) order with code RAMSEY ---💤 Visit [ Helix Sleep] (https://www.helixsleep.com/Ramsey) for special offers! ---💻 Visit [ NetSuite] (https://www.netsuite.com/Ramsey) today to learn more ---🗂️ Use promo code RAMSEY for18% off at [The Nokbox] (https://www.thenokbox.com/ramsey) ---🏛 Get started with [YRefy] (https://www.yrefy.com/Ramsey) or call 844-2-RAMSEY ---🔐 Visit [ Zander Insurance] (https://www.zander.com/) 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!] (https://www.ramseysolutions.com/shows/the-ramsey-show/email) 🎄 [You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.] (https://ter.li/kc228e) 🩺 [Find the Right Health Coverage During Open Enrollment] (https://www.ramseysolutions.com/insurance/health-insurance-comparison?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2024_aep_and_oe_campaign&utm_term=protections_bu&utm_content=2024_aep_and_oe_campaign%20-%20shownotes%20-%20health%20coverage%20-%20111224) 💵 [Start your free budget today. Download the EveryDollar app!] (https://ter.li/9tom3z%20) 🎁 [50 days of Christmas deals are here! Get 30% off meaningful gifts.] (https://ter.li/bb9dny) 🎟️ [Get Tickets to the Money & Relationships Tour] (https://ter.li/r0koog) Listen to more from Ramsey Network 🎙️ [ The Ramsey Show] (https://ter.li/4oi4gg)   🧠 [ The Dr. John Delony Show] (https://ter.li/7idjjq) 🍸 [ Smart Money Happy Hour] (https://ter.li/fhywhj) 💡 [ The Rachel Cruze Show] (https://ter.li/u4taz6) 💸 [ The Ramsey Show Highlights] (https://ter.li/u7iws0) 💰 [George Kamel] (https://ter.li/ejut9r) 💼 [ The Ken Coleman Show] (https://ter.li/e0y48r) 📈 [ EntreLeadership] (https://ter.li/p5p885) Learn more about your ad choices.  [https://www.megaphone.fm/adchoices] (https://www.megaphone.fm/adchoices) [Ramsey Solutions Privacy Policy] (https://www.ramseysolutions.com/company/policies/privacy-policy) ... Read more

18 Nov 2024

1 HR 27 MINS

1:27:27

18 Nov 2024