? Are you on track with the Baby Steps? Get a free personalized plan.   If you?re trying to build wealth but are still left wondering where chunks of money go every month, it might be time to rethink your money habits. Here are six things wealthy people never spend money on. Next Steps: ? Watch my video Why You Should Spend Like No One Is Watching. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

?? Are you protected with the right insurance? Take Ramsey?s five-minute Coverage Checkup. In this episode, Winston and I share how our annual ?Dream Date? has transformed our marriage and our money. We share what we do every year to get aligned on our goals, budget and big dreams. If you?re craving clarity and connection heading into 2026, you?ll love this episode. Next Steps:  ? Watch my video Money Lessons We?ve Learned in 15 Years of Marriage (With Winston Cruze). ? Check your credit report for free. ? Start your free budget today. Download the EveryDollar app! ?Are you on track with the Baby Steps? Get a free personalized plan.    Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Grab my Kids Book Bundle to get all three of my children?s books! Talking about money doesn?t have to be weird or taboo. In this episode, I?m walking you through five super important money conversations to have with the people in your life so you can strengthen your relationships and feel more confident about your financial future. Next Steps:  ? Watch my video The 3-Step Formula for Finding a Job You Love (With Ken Coleman). ? Start your free budget today. Download the EveryDollar app! ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   On today?s episode, we?re talking about changes the government is making in 2026 that will impact your money?and what you can do about it. Let?s get into it! Next Steps: ? Watch my video 6 Simple Ways to Become More Disciplined With Your Money. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you paying too much for insurance? Find out in five minutes.   It?s time to whip your money into shape! In this episode, Dave Ramsey joins me to talk about what you can do differently with your money in 2026.   Next Steps: ? Watch my video These People Found an Extra $3,015 a Month (Here?s How). ? Start your free budget today. Download the EveryDollar app! ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Start your free budget today. Download the EveryDollar app!   In this episode, I?m breaking down the biggest money predictions for 2026 and showing you how to take control and win with money in the new year. Next Steps:  ? Watch my video Questionable Money Hacks I Now Swear By. ?Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Find ways to make more money. Take our Side Hustle Quiz!   In this episode, I?m sharing five underrated, super practical hacks that?ll help you pay off debt FAST?so you can take control of your money and finally breathe again. Next Steps:  ? Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month. ? Start your free budget today. Download the EveryDollar app! ?Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Plan and build wealth for the future with Ramsey?s Complete Guide to Investing.   When it comes to money, you need to be aware of the don?ts just as much as the do?s. Today, I?m sharing the worst ways to invest your money so you can avoid the traps and start building wealth the right way.    Next Steps: ? Watch my video 6 Questions That Reveal if You Can Retire Early. ? Start your free budget today! Download the EveryDollar app. ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Join the Take Back Your Money in 2026 livestream! Register for free.   In this video, I break down how the average American is handling their money?so you can see how you stack up. Then, I?ll give you some simple steps to start making real progress with your own finances. Next Steps: ? Are you on track with the Baby Steps? Get a free personalized plan.  ? Watch my video Become Financially Literate in 8 Minutes ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Join the Take Back Your Money in 2026 livestream! Register for free.   The situations I find myself in while working with my dad will never fail to make me laugh! Let?s relive some of my favorite moments from The Ramsey Show this past year.   Next Steps: ? Watch my video This Call Left Dave Ramsey Speechless (My Reaction). ? Are you on track with the Baby Steps? Get a free personalized plan. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   If you?re an Amazon person like me, you know that feeling you get when you make an awesome purchase! Here are my top nine Amazon finds from 2025, plus one I regret. Links below!   Next Steps: ? Watch my video How to Actually Enjoy Your Life (Even on a Budget). ? Start your free budget today. Download the EveryDollar app! ? Product links: Kindle Steel locking container  School backpacks Handheld steamer Beach hat Silicone Crock-Pot dividers Amelia?s lunch box Car window glass breaker/seat belt cutter Samsonite suitcase   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   In this episode, I?m breaking down the four sneaky budget categories we all tend to overlook?yes, even me! Then I?ll show you some simple ways to tighten things up and take back control of your spending. Next Steps:  ? Watch my video 6 Simple Ways to Become More Disciplined With Your Money. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   After every Christmas, I sit down and make five simple lists that help me reset my mindset, my money and my priorities for the new year. So[JS3]  today, I?m going to share those with you to help you stay focused, have peace, and be ready to start 2026 strong. Next Steps: ? Watch my video Create Your First Budget in 5 Simple Steps. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   In this episode, I?m breaking down seven common grocery shopping mistakes (including my Parmesan cheese epiphany!) and sharing simple ways to shop smarter, save money, and make your budget actually work.   Next Steps: ? Watch my video Average Family Grocery Budget (Are You Over or Under?). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Learn how to invest wisely with our Complete Guide to Investing.   Planning for retirement can feel overwhelming, but it doesn?t have to be. In this episode, I?m walking you through the biggest retirement mistakes that keep the middle class from building wealth?and what you can do to invest wisely and feel confident about your future.   Next Steps: ? Watch my video Become Financially Literate in 8 Minutes. ? Connect with a SmartVestor Pro investing professional today! Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ? Are you on track with the Baby Steps? Get a free personalized plan. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Build a stronger, more intimate marriage. Sign up for the Ramsey Money & Marriage Getaway today!   It?s gift-giving season! In today?s episode, I?m reacting to the top five rated gifts for her and the top five rated gifts for him. Let?s get into it!   Next Steps: ? Watch my video Money Lessons We?ve Learned in 15 Years of Marriage (with Winston Cruze). ? Are you on track with the Baby Steps? Get a free personalized plan. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe.  Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Need help with all things real estate? Get access to a RamseyTrusted® pro in your area.   Owning a home is a major financial win . . .  and a huge responsibility. In today?s episode, we?re discussing which home upgrades get you your money?s worth and which ones don?t.   Next Steps: ? Watch my video Building vs. Buying a House: Which Is Better? ? Are you on track with the Baby Steps? Get a free personalized plan. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

?? Get your tickets to our Money & Marriage Getaway!   Money and marriage don?t have to be complicated! In this episode, I?m sharing five common money mistakes that could be hurting your relationship and how to fix them?so you and your spouse can win with money together. ? Next Steps: ? Watch my video: 3 Best Marriage Tips We?ve Ever Received ?Are you on track with the Baby Steps? Get a free personalized plan.  ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Grab your copy of What No One Tells You About Money!   I sat down with my friend Jade Warshaw to talk about the highs, lows and real emotions behind her debt-free journey?and her brand-new book, What No One Tells You About Money. Next Steps: ? Watch my video Become Financially Literate in 8 Minutes. ?Are you on track with the Baby Steps? Get a free personalized plan.  ? Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   You don?t need to buy every new product that?s out there just to keep up with the Joneses! But it?s safe to say some purchases are worth the money. So today, I?ll share seven items that have actually improved my life.   Next Steps: ? Watch my video 8 Things I Stopped Buying (and You Should Too). ? Start your free budget today. Download the EveryDollar app! My favorite products under $50: Nonstick skillet  Fast phone chargers Folex cleaner ALDI mac and cheese Automatic card shuffler Touchland hand sanitizer No-show socks   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   In this episode, I?m sharing seven surprising signs that you?re on your way to becoming a millionaire?no lottery ticket required. You?ll see how small, intentional choices with your money can add up to lasting wealth and peace of mind. Next Steps: ? Watch my video 5 Simple Habits ?Quiet Millionaires? Swear By. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   On today?s episode, Niro Feliciano and I talk about how to navigate common money problems in your relationships. Let?s get into it!   Next Steps: ? Watch my video Create a Calm-ish Holiday Season With These Simple Habits. ? Start your free budget today. Download the EveryDollar app! Learn more about Niro Feliciano.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   If you?re thinking that having a six-figure income makes you immune to debt, think again! On today?s episode we?re discussing why having a high income does not equal building wealth.   Next Steps: ? Watch my video 10 Secrets of People Who Never Overspend (According to ChatGPT) ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Get the coverage you need from a source you trust. Learn more about RamseyTrusted® insurance pros and providers.   If you feel like you understand money, but you can?t quite get ahead, this episode is for you. Today, we?re talking about seven common money mistakes that could be costing you thousands.   Next Steps: ? Watch my video Why Being Boring Is The Best Way to Build Wealth. ? Are you on track with the Baby Steps? Get a free personalized plan. ? Start your free budget today. Download the EveryDollar app! ? Saving for retirement? Keep track of your money with Ramsey's Investment Calculator.  ? Protect your family when it matters most. Create a will in 20 minutes or less.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   I hear from people all the time who believe toxic money myths, and it?s keeping them broke! In this episode, I?m breaking down five common money lies that will never help you build wealth.   Next Steps: ? Watch my video Unexpected Ways Money Might Be Ruining Your Life. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   As a natural spender, I had to know where my frugal friends draw the line when it comes to spending. I asked Instagram, and you guys did not disappoint! Let?s unpack the top seven answers together.   Next Steps: ? Watch my video 5 Ways to Cut Costs (Even If You Love to Spend). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a seven-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

?? Check out Ramsey's 2025 Black Friday deals.   If you want to take advantage of Black Friday, but it also feels overwhelming, this episode is for you! Here are five tips to keep in mind for the biggest shopping weekend of the year.  Next Steps: ? Watch my video How to Actually Enjoy Your Life (Even on a Budget). ? The simplest way to budget. Download the EveryDollar app for free! ? Are you on track with the Baby Steps? Get a free personalized plan.    Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

?Check out my Kids Book Bundle!   I?m always in the market for a good budget-friendly parenting tip. So in this episode, I?m reacting to money-saving parenting hacks?plus, I?ll share two of my own.   Next Steps: ? Watch my video Every Mom Struggles With This . . . but No One Talks About It. ? The simplest way to budget. Download the EveryDollar app for free! ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Enter the 2025 Ramsey Christmas Giveaway!   Cosigning is one of the things I warn people against the most! In this episode, I cover some of the messiest cosigning situations I?ve seen and why it?s a recipe for disaster.   Next Steps: ? Watch my video 3 Healthy Money Boundaries to Set With Family. ? Start your free budget today. Download the EveryDollar app! ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan. On today?s episode, I had the honor of sitting down with Dr. Arthur Brooks to discuss the emotions around money and how you can improve your relationship with money to create a life you love. Let?s dive in!   Next Steps: ? Watch my video Easy Ways to Diffuse Conflict in Tough Conversations (With Jefferson Fisher). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.    Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   Watching your spending isn?t just for those of you in Baby Step 2! In this episode, I?m celebrating people living frugally in all stages of life. Next Steps: ? Watch my video 8 Things I Stopped Buying (and You Should Too). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for 47% off.   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Start your 90-day journey to loving your life with my Contentment Journal.   Are your spending habits motivated by impressing people? In this episode, I?m going to walk you through how to get out of the comparison pit so you can live a life you love.   Next Steps: ? Watch my video The Surprising Cost of Today?s Beauty Standards. ? Are you on track with the Baby Steps? Get a free personalized plan. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for 47% off.   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Check out Ramsey?s Complete Guide to Investing .   The retirement process can feel complicated, but it?s something everyone faces at some point. So in this episode, find out seven age-specific rules you need to know as you prepare?no matter how close or far away you are.     Next Steps: ? Are you on track with the Baby Steps? Get a free personalized plan.  ? Watch my video 5 Simple Habits Quiet Millionaires Swear By . ? Start your free budget today! Download the EveryDollar app. ?? Talk with a RamseyTrusted® Medicare advisor.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries today! Get 20% off your DeleteMe plan when you join. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for 47% off.   Explore More From Ramsey Network:? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.    Gen Z and millennials are skipping major social events because of the cost. (That sounds extreme, but also . . . relatable?) Let?s talk about the cost of friendship and how to make sure your finances and relationships thrive.    Next Steps: ? Watch my video Every Mom Struggles With This but No One Talks About It. ? Create your free budget today. Download the EveryDollar app and find more margin.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Enter Ramsey's $5,000 Cash Giveaway.   Okay, deep breaths, everyone?the holidays are approaching. But no need to panic. Here?s a quick little reset to get your mind (and your money) in the right place before the busyness begins. This is what I?m planning to say yes and no to this holiday season.   Next Steps: ? Watch my video 6 Things I Teach About Money That Will Make You Angry or Wealthy. ? Start your free budget today. Download the EveryDollar app! ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for 47% off.   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan. Even if you feel confident with the basics of wealth building, you may be missing the mark in some areas. Today, I?m unpacking common things people tend to overlook when trying to build wealth.  Next Steps: ? Watch my video 6 Money Hacks You Should Never Trust (They?re Traps!). ? Create your free budget today. Download the EveryDollar app. Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan. If you're feeling financially stuck, what you need is a personalized plan. In today's episode, I'm going to walk you through how to improve your financial situation in just three minutes.   Next Steps: ? Watch my video: Searching for the Right Side Hustle for You? Watch This! ? The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries today! Get 20% off your DeleteMe plan when you join. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ?? The Ramsey Show ? Smart Money Happy Hour ? The Ramsey Show Highlights ? The Dr. John Delony Show ? The Rachel Cruze Show ? Front Row Seat with Ken Coleman ? EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? The simplest way to budget. Download the EveryDollar app today!   Would you believe me if I said you could find over $3,000 in your budget in just 15 minutes? Yep, it?s true! And in today?s episode, I?m going to show you how. Next Steps: ? Watch my video 7 Creative Side Hustles for an Extra $1,000 a Month ? Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan. One of my favorite things about my job is that I get the chance to talk with you guys as you?re working on your money goals in real time. So today, I?m answering your burning money questions!   Next Steps: ? Watch my video: TikTok Has Strong Opinions About This Controversial Marriage Topic ? Start your free budget today! Download the EveryDollar app.   Connect With Our Sponsors: Learn more about Christian Healthcare Ministries today! Get 20% off your DeleteMe plan when you join. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ?? The Ramsey Show ? Smart Money Happy Hour ? The Ramsey Show Highlights ? The Dr. John Delony Show ? The Rachel Cruze Show ? Front Row Seat with Ken Coleman ? EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan. The holidays are hectic, but they don?t have to be! In this episode, I sit down with Niro Feliciano. She?s a cognitive psychotherapist, an expert on anxiety and brain science, and a wife and mom of four. We discuss how you can create a less frantic holiday season and enjoy the time you have with your loved ones. Let?s get into it!   Next Steps: ? Watch my video: 3 Healthy Money Boundaries to Set With Family  ? The simplest way to budget. Download the EveryDollar app for free! Check out Niro Feliciano?s book All Is Calmish today! Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   Sometimes I?m guilty of leaning too far into the ?If it ain?t broke, don?t fix it? mindset. But I have definitely changed my tune on some new money hacks over the years. So today, I?m sharing a few of those with you.    Next Steps: ? Watch my video 6 Things I Teach About Money That Will Make You Angry or Wealthy. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   If worrying about your finances is taking over your life, stay calm! In today's episode, I'm going to share a few simple ways to find immediate relief from your financial stress that only take 20 minutes.   Next Steps: ? Watch my video: 5 Powerful Ways to Redefine Wealth (It?s Not Just Money) ? The simplest way to budget. Download the EveryDollar app for free!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   We all have to buy groceries every month, but how much should we be budgeting for it? In this episode, find out if your grocery spending is above or below average?and how you can save money on food every month. Next Steps: ? Watch my video 5 Quick Ways to Cut Costs (Even if You Love to Spend). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   Ever wondered how much babysitting rates (and everything else) have changed over the years? Today, I?m comparing some costs of everyday life in 1995 to 2025?and the numbers might shock you. Next Steps: ? Watch my video 9 Tiny Habits That Actually Improved My Life (And Money). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   I hate to be the bearer of boring news, but the key to almost anything you wish would change about your life is . . . discipline?and money is no exception. In this episode, I'll give you six simple ways to become more disciplined with your money.    Next Steps:   ? Watch my video 9 Tiny Habits That Actually Improved My Life (and Money). ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:     Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Looking for extra margin in your monthly budget? Try our free Money Finder Challenge.   What if I told you the extra cash you need is already in your monthly budget? Yep, in today?s episode, I?ll show you how you can free up $1,000 of margin in just a few simple steps.   Next Steps: ? Watch my video: Searching for the Right Side Hustle for You? Watch This! ? The simplest way to budget. Download the EveryDollar app for free! ? Are you on track with the Baby Steps?  Get a free personalized plan!     Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network:   ? Smart Money Happy Hour ?? The Ramsey Show  ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.      Sure, the baby boomers may have normalized debt, but are they really to blame for our modern-day money struggles? Let?s talk about it on today?s episode.      Next Steps:   ? Watch my video 7 Money Lessons From Boomers? Wins and Regrets. ? Start your free budget today. Download the EveryDollar app!      Connect With Our Sponsors:??    Learn more about Christian Healthcare Ministries.   Get 20% off when you join DeleteMe.   Go to FAIRWINDS Credit Union for an exclusive account bundle!      Explore More From Ramsey Network:   ? Smart Money Happy Hour   ?? The Ramsey Show ?   ? The Ramsey Show Highlights   ? The Dr. John Delony Show   ? George Kamel   ? Front Row Seat with Ken Coleman?   ? EntreLeadership      Ramsey Solutions Privacy Policy   Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   Financial literacy is the first step when it comes to building wealth. And believe it or not, it?s simpler than most people think! So today, I?m giving you a crash course in all things personal finance.    Next Steps: ? Watch my video Create Your First Budget in 5 Simple Steps. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   I?m extra excited for today?s episode because Pastor Judah Smith is joining us to talk about how our negative thoughts can affect all aspects of our lives?including money?and how to shift that mindset.    Next Steps:   ? Watch my video Why Less Really Is More?in Money, Faith and Beyond. ? Start your free budget today. Download the EveryDollar app! ? Check out Judah?s new book with Dr. Les Parrott. ?? Check out the Churchome app.   Connect With Our Sponsors:     Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network:   ? Smart Money Happy Hour ?? The Ramsey Show ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? Are you on track with the Baby Steps? Get a free personalized plan.   Prenups are a highly debated topic, and you guys know my take?your and your spouse?s money should be viewed as your money together. But . . . are there exceptions? Let?s talk about it on today?s episode.    Next Steps: ? Watch my video The Only Exceptions to My ?No Debt? Policy. ? Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: ? Smart Money Happy Hour ?? The Ramsey Show   ? The Ramsey Show Highlights ? The Dr. John Delony Show ? George Kamel ? Front Row Seat with Ken Coleman  ? EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices