? ?????????????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!???????????????? Dave Ramsey and Rachel Cruze answer your questions and discuss: "Should I open a secret bank account?" "We feel unsafe in our home but moving seems like it will be impossible. How do we get ourselves out of this situation?" "How do you know when it's time to leave your full-time job and make your side job full-time?" "I have $3.5 million in retirement but I'm still scared to retire" "Should I sell my home?" "I took a higher paying job but the practices at the company worries me. Should I stay at this job?". Next Steps:???????????????????????????????????????????????? ??? ?Help us make the show better. Please take this short survey.?? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????????????????????? ?send us an email????????????????????????????????????? ? ??????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app??????? ? ????Find out where you stand with your money and get a free plan?? ???? ?Get trusted insurance coverage that fits your budget ? ???Lowest prices of the year?don?t miss Cyber Monday gifts as low as $3.99!??? ? ?Preorder What No One Tells You About Money today now and get $100+ in bonus items ? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?ALDI?. Amazon is making it easier than ever to find top gifts at amazing prices this season in the ?Holiday Shop?. Get 10% off your first month of? BetterHelp?. Go to ?Boost Mobile? to switch today! Go to? ??Casper Sleep? and use promo code RAMSEY to learn more. Learn more about? Christian Healthcare Ministries?. Get started today with? Churchill Mortgage?. Get 20% off when you join ?DeleteMe?. Go to? FAIRWINDS Credit Union? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ?Health Trust Financial?. Use code RAMSEY to save 20% at ?Mama Bear Legal Forms?. Visit? NetSuite? today to learn more. For more information, go to ?SimpliSafe?. Get started with ?YRefy? or call 844-2-RAMSEY. Visit? Zander Insurance? for your free instant quote today! Explore more from Ramsey Network: ? ?The Ramsey Show Highlights? ? ?The Dr. John Delony Show? ? ?Smart Money Happy Hour? ? ?The Rachel Cruze Show? ? ?George Kamel? ? ?Front Row Seat with Ken Coleman? ? ?EntreLeadership? ?Ramsey Solutions Privacy Policy? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????????????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!???????????????? Dave Ramsey and George Kamel answer your questions and discuss: "I'm $35,000 in debt and I'm behind on my bills. How do I get ahead while in this situation?" "My son is getting into using sports gambling apps. How do I get him to stop gambling and short-term trade instead?" "Should I use my savings to pay down my debt?" "Should I stay in my state for my church even though I don't have many career options here?" "Do we need to be "gazelle intense" when paying off our rental properties?" "My husband has spent almost 4 years building our retirement home himself. Can we pull from retirement to finish it off?" "How do I pay off my student loans when it's growing at a faster pace than I am paying it off?". Next Steps:???????????????????????????????????????????????? ??? ?Help us make the show better. Please take this short survey.?? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????????????????????? ?send us an email????????????????????????????????????? ? ?File your taxes with 100% accurate software that?s less than half of the price ? ???Lowest prices of the year?don?t miss Cyber Monday gifts as low as $3.99!??? ? ???????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app???????? ? ?Preorder What No One Tells You About Money today now and get $100+ in bonus items Connect With Our Sponsors: Stop paying more and start shopping smarter at ?ALDI?. Amazon is making it easier than ever to find top gifts at amazing prices this season in the ?Holiday Shop?. Get 10% off your first month of? BetterHelp?. Go to ?Boost Mobile? to switch today! Go to? ??Casper Sleep? and use promo code RAMSEY to learn more. Learn more about? Christian Healthcare Ministries?. Get started today with? Churchill Mortgage?. Get 20% off when you join ?DeleteMe?. Go to? FAIRWINDS Credit Union? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ?Health Trust Financial?. Use code RAMSEY to save 20% at ?Mama Bear Legal Forms?. Visit? NetSuite? today to learn more. For more information, go to ?SimpliSafe?. Get started with ?YRefy? or call 844-2-RAMSEY. Visit? Zander Insurance? for your free instant quote today! Explore more from Ramsey Network: ? ?The Ramsey Show Highlights? ? ?The Dr. John Delony Show? ? ?Smart Money Happy Hour? ? ?The Rachel Cruze Show? ? ?George Kamel? ? ?Front Row Seat with Ken Coleman? ? ?EntreLeadership? ?Ramsey Solutions Privacy Policy? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????????????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!???????????????? Dave Ramsey and Ken Coleman answer your questions and discuss: "My father is trying to bribe me into signing a document that alters the trust my grandfather left" "I got laid off and I have $100,000 of debt. Can I lose my house if I can't pay?" "How do I negotiate on debt that's in collections?" "Should I continue investing while saving for school?" "How do we combine finances after we get married?" "I owe $30,000 in state taxes. My tax settlement company wants me to pay $6,500 to negotiate on my behalf" "Should I let my dad move into my home even though he is bad with "Should we pause investing to pay down our mortgage so we can refinance to a 15-year fixed mortgage?". Next Steps:???????????????????????????????????????????????? ??? ?Help us make the show better. Please take this short survey.?? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????????????????????? ?send us an email????????????????????????????????????? ? ??????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app??????? ? ???Lowest prices of the year?don?t miss Cyber Monday gifts as low as $3.99!??? ? ???Find out where you stand with your money and get a free plan? ???? Get trusted insurance coverage that fits your budget ? ?Preorder What No One Tells You About Money today now and get $100+ in bonus items ? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?ALDI?. Amazon is making it easier than ever to find top gifts at amazing prices this season in the ?Holiday Shop?. Get 10% off your first month of? BetterHelp?. Go to ?Boost Mobile? to switch today! Go to? ??Casper Sleep? and use promo code RAMSEY to learn more. Learn more about? Christian Healthcare Ministries?. Get started today with? Churchill Mortgage?. Get 20% off when you join ?DeleteMe?. Go to? FAIRWINDS Credit Union? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ?Health Trust Financial?. Use code RAMSEY to save 20% at ?Mama Bear Legal Forms?. Visit? NetSuite? today to learn more. For more information, go to ?SimpliSafe?. Get started with ?YRefy? or call 844-2-RAMSEY. Visit? Zander Insurance? for your free instant quote today! Explore more from Ramsey Network: ? ?The Ramsey Show Highlights? ? ?The Dr. John Delony Show? ? ?Smart Money Happy Hour? ? ?The Rachel Cruze Show? ? ?George Kamel? ? ?Front Row Seat with Ken Coleman? ? ?EntreLeadership? ?Ramsey Solutions Privacy Policy? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????????? Dave Ramsey and Dr. John Delony answer your questions and discuss: ?How do we guide our daughter to make better choices?? ?My mother has $38,000 in collections and can?t pay her bills. How do I help her through this mess?? ?I made a mistake transferring my 401(k) into an annuity. What should we do to fix this?? ?How do I go from being intense to intentional in baby step 6?? ?Do I need to buy flood insurance?? ?Should we do what our parents recommend and live together before marriage?? ?Do we need long-term care insurance?? ?Should I get a reverse mortgage to help my daughter?? ?Should I invest in my 4th Airbnb?? ?My in-laws want us to pay them back for tuition fees they lost when my wife dropped out of college? ?We have a good income but are still living paycheck-to-paycheck. How do we get ahead?? ?Should we pull from our emergency fund to buy a car?? ?How do I talk to my client about paying me more?? ?Should I move out of my parents? house?? Next Steps:?????????????????????????????????????????????? ?? ?Help us make the show better. Please take this short survey.? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????????????????????? ?send us an email???????????????????????????????????? ? ?????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app?????? ? Free Tools & Resources to Help You With Investing and Retirement ? ??Lowest prices of the year?24 hours only. Don?t miss Cyber Monday gifts as low as $3.99!?? ? Preorder What No One Tells You About Money today now and get $100+ in bonus items Connect With Our Sponsors: Stop paying more and start shopping smarter at ALDI. Amazon is making it easier than ever to find top gifts at amazing prices this season in the Holiday Shop. Get 10% off your first month of BetterHelp. Go to Boost Mobile to switch today! Go to Casper Sleep and use promo code RAMSEY to learn more. Learn more about Christian Healthcare Ministries. Get started today with Churchill Mortgage. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial. Use code RAMSEY to save 20% at Mama Bear Legal Forms. Visit NetSuite today to learn more. For more information, go to SimpliSafe. Get started with YRefy or call 844-2-RAMSEY. Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: ? The Ramsey Show Highlights ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? George Kamel ? Front Row Seat with Ken Coleman ? EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!?????????????? Dave Ramsey and Rachel Cruze answer your questions and discuss: "When is a person financially secure enough to quit a job they hate?" "Can we buy a house and a car while we are in Baby Step 2?" "Am I being unfair to my wife by leaving only one of my insurance policies in her name?" "How do I get my wife to be more gazelle intense?" "My daughter wants us to pay for her destination wedding but they have already been married for two years". Next Steps:???????????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????????????????? ?send us an email??????????????????????????????????? ? ??????????????????????Get episodes early in the free Ramsey Network app????? ? ????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app????? ? ?Lowest prices of the year?24 hours only. Don?t miss Cyber Monday gifts as low as $3.99!? ? File your taxes with 100% accurate software that?s less than half of the price ? ??Find out where you stand with your money and get a free plan. Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????ALDI??????? Get 10% off your first month of??????? BetterHelp??????? Go to ???????Boost Mobile??????? to switch today Go to??????? ??????????????Casper Sleep??????? and use promo code RAMSEY to learn more Learn more about??????? Christian Healthcare Ministries???????. Get started today with??????? Churchill Mortgage??????? Get 20% off when you join ???????DeleteMe??????? Go to??????? FAIRWINDS Credit Union??????? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ???????Guardian Litigation Group??????? Find top health insurance plans at ???????Health Trust Financial??????? Use code RAMSEY to save 20% at ???????Mama Bear Legal Forms??????? Visit??????? NetSuite??????? today to learn more For more information, go to ???????SimpliSafe??????? Get started with ???????YRefy??????? or call 844-2-RAMSEY Visit??????? Zander Insurance??????? for your free instant quote today Explore more from Ramsey Network: ? ???????????????????????????????????The Ramsey Show Highlights??????????????????????????????????? ? ???????????????????????????????????The Dr. John Delony Show??????????????????????????????????? ? ???????????????????????????????????Smart Money Happy Hour??????????????????????????????????? ? ???????????????????????????????????The Rachel Cruze Show??????????????????????????????????? ? ???????????????????????????????????George Kamel??????????????????????????????????? ? ???????????????????????????????????Front Row Seat with Ken Coleman??????????????????????????????????? ? ???????????????????????????????????EntreLeadership??????????????????????????????????? ???????????????????????????????????Ramsey Solutions Privacy Policy????????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!?????????????? While we are out for Thanksgiving weekend, we've compiled some of our favorite George and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday! George Kamel & Jade Warshaw answer your questions and discuss: How do I tell my girlfriend that I lied about my finances? My husband says we can't afford a new car Is my son obligated to give his dad money? How do I make enough money to take care of my mom? I owe $65k on a car that just broke down How do I begin to trust my husband after his financial infidelity? Should I sell my house to pay off credit cards? Next Steps:???????????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????????????????? ?send us an email??????????????????????????????????? ? ??????????????????????Get episodes early in the free Ramsey Network app????? ? ?????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app?????? ???? ?Get trusted insurance coverage that fits your budget? ? ???????Black Friday deals won't last??, ??get gifts for as low as $6.99?????? ? ??Find out where you stand with your money and get a free plan Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????ALDI??????? Get 10% off your first month of??????? BetterHelp??????? Go to ???????Boost Mobile??????? to switch today Go to??????? ??????????????Casper Sleep??????? and use promo code RAMSEY to learn more Learn more about??????? Christian Healthcare Ministries???????. Get started today with??????? Churchill Mortgage??????? Get 20% off when you join ???????DeleteMe??????? Go to??????? FAIRWINDS Credit Union??????? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ???????Guardian Litigation Group??????? Find top health insurance plans at ???????Health Trust Financial??????? Use code RAMSEY to save 20% at ???????Mama Bear Legal Forms??????? Visit??????? NetSuite??????? today to learn more For more information, go to ???????SimpliSafe??????? Get started with ???????YRefy??????? or call 844-2-RAMSEY Visit??????? Zander Insurance??????? for your free instant quote today Explore more from Ramsey Network: ? ???????????????????????????????????The Ramsey Show Highlights??????????????????????????????????? ? ???????????????????????????????????The Dr. John Delony Show??????????????????????????????????? ? ???????????????????????????????????Smart Money Happy Hour??????????????????????????????????? ? ???????????????????????????????????The Rachel Cruze Show??????????????????????????????????? ? ???????????????????????????????????George Kamel??????????????????????????????????? ? ???????????????????????????????????Front Row Seat with Ken Coleman??????????????????????????????????? ? ???????????????????????????????????EntreLeadership??????????????????????????????????? ???????????????????????????????????Ramsey Solutions Privacy Policy????????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!?????????????? While we are out for Thanksgiving weekend, we've compiled some of our favorite Ken and Jade calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday! Ken Coleman & Jade Warshaw answer your questions and discuss: We're $200k in debt, should we file for bankruptcy? My parents are mad about me using my tuition refund to pay off my debt Which credit card should I get for my son? The woman I'm dating borrowed $1,700 from me and hasn't paid me back My dad wants me to take out a business loan I'm afraid that AI and robots will take my job House has been on the market for six months Next Steps:???????????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????????????????? ?send us an email??????????????????????????????????? ? ??????????????????????Get episodes early in the free Ramsey Network app????? ? ????????Black Friday deals won't last??, ??get gifts for as low as $6.99??????? ? ?Find out where you stand with your money and get a free plan ? ????????????????????????????????????????????Start your free budget today by downloading the EveryDollar app????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????ALDI??????? Get 10% off your first month of??????? BetterHelp??????? Go to ???????Boost Mobile??????? to switch today Go to??????? ??????????????Casper Sleep??????? and use promo code RAMSEY to learn more Learn more about??????? Christian Healthcare Ministries???????. Get started today with??????? Churchill Mortgage??????? Get 20% off when you join ???????DeleteMe??????? Go to??????? FAIRWINDS Credit Union??????? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ???????Guardian Litigation Group??????? Find top health insurance plans at ???????Health Trust Financial??????? Use code RAMSEY to save 20% at ???????Mama Bear Legal Forms??????? Visit??????? NetSuite??????? today to learn more For more information, go to ???????SimpliSafe??????? Get started with ???????YRefy??????? or call 844-2-RAMSEY Visit??????? Zander Insurance??????? for your free instant quote today Explore more from Ramsey Network: ? ???????????????????????????????????The Ramsey Show Highlights??????????????????????????????????? ? ???????????????????????????????????The Dr. John Delony Show??????????????????????????????????? ? ???????????????????????????????????Smart Money Happy Hour??????????????????????????????????? ? ???????????????????????????????????The Rachel Cruze Show??????????????????????????????????? ? ???????????????????????????????????George Kamel??????????????????????????????????? ? ???????????????????????????????????Front Row Seat with Ken Coleman??????????????????????????????????? ? ???????????????????????????????????EntreLeadership??????????????????????????????????? ???????????????????????????????????Ramsey Solutions Privacy Policy????????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!????????????? Dave Ramsey and Jade Warshaw answer your questions and discuss: "How do we get out of $1,500,000 of debt?" "Can I take out a car loan?" "Can I take out a small car loan and pay it down aggressively instead of draining my savings?" "I make $120,000 but my bills are so high I can't afford groceries" "How do I help my girlfriend with her finances without enabling her?" "How do I get out of the cycle of taking out payday loans?" "How do I talk to my fiancée about my wealth and establishing a prenup?" Next Steps:?????????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????????????? ?send us an email?????????????????????????????????? ? ?????????????????????Get episodes early in the free Ramsey Network app???? ? Find out where you stand with your money and get a free plan. ???? Get trusted insurance coverage that fits your budget ? ??????Black Friday deals won't last??, ??get gifts for as low as $6.99????? ? ???????????????????????????????????????????Start your free budget today by downloading the EveryDollar app???? Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????ALDI?????? Get 10% off your first month of?????? BetterHelp?????? Go to ??????Boost Mobile?????? to switch today Go to?????? ????????????Casper Sleep?????? and use promo code RAMSEY to learn more Learn more about?????? Christian Healthcare Ministries??????. Get started today with?????? Churchill Mortgage?????? Get 20% off when you join ??????DeleteMe?????? Go to?????? FAIRWINDS Credit Union?????? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ??????Guardian Litigation Group?????? Find top health insurance plans at ??????Health Trust Financial?????? Use code RAMSEY to save 20% at ??????Mama Bear Legal Forms?????? Visit?????? NetSuite?????? today to learn more For more information, go to ??????SimpliSafe?????? Get started with ??????YRefy?????? or call 844-2-RAMSEY Visit?????? Zander Insurance?????? for your free instant quote today Explore more from Ramsey Network: ? ??????????????????????????????????The Ramsey Show Highlights?????????????????????????????????? ? ??????????????????????????????????The Dr. John Delony Show?????????????????????????????????? ? ??????????????????????????????????Smart Money Happy Hour?????????????????????????????????? ? ??????????????????????????????????The Rachel Cruze Show?????????????????????????????????? ? ??????????????????????????????????George Kamel?????????????????????????????????? ? ??????????????????????????????????Front Row Seat with Ken Coleman?????????????????????????????????? ? ??????????????????????????????????EntreLeadership?????????????????????????????????? ??????????????????????????????????Ramsey Solutions Privacy Policy???????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????????????????????????????????????Think you?re good with money? Take our Money in America quiz!???????????? Rachel Cruze and Dr. John Delony answer your questions and discuss: "Should I leave my husband who cheats on me and won't contribute to our family's finances?" "We keep blowing through our emergency fund and now we're back in debt. How do we stop this?" "Should we stop tithing in Baby Step 2?" "Should I pay cash for my next semester or can I keep some money in order to live a little?" "Should my parents use $800,000 of their investments to get my sister out of her financial situation?" "I'm in $60,000 of debt, how do I get out of this?" "Should I do my Roth conversion all at once?" "Can we afford to travel to Spain for a wedding?" "I feel like my career that I love is not enough for me to provide for my family. What should I do to increase my income?" Next Steps:???????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????????????????? ?send us an email????????????????????????????????? ? ?????Black Friday deals won't last??, ??get gifts for as low as $6.99???? ? ??????????????????????????????????????????Start your free budget today by downloading the EveryDollar app??? ? Find a Ramsey Trusted Real Estate Agent Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????ALDI????? Get 10% off your first month of????? BetterHelp????? Go to ?????Boost Mobile????? to switch today Go to????? ??????????Casper Sleep????? and use promo code RAMSEY to learn more Learn more about????? Christian Healthcare Ministries?????. Get started today with????? Churchill Mortgage????? Get 20% off when you join ?????DeleteMe????? Go to????? FAIRWINDS Credit Union????? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ?????Guardian Litigation Group????? Find top health insurance plans at ?????Health Trust Financial????? Use code RAMSEY to save 20% at ?????Mama Bear Legal Forms????? Visit????? NetSuite????? today to learn more For more information, go to ?????SimpliSafe????? Get started with ?????YRefy????? or call 844-2-RAMSEY Visit????? Zander Insurance????? for your free instant quote today Explore more from Ramsey Network: ? ?????????????????????????????????The Ramsey Show Highlights????????????????????????????????? ? ?????????????????????????????????The Dr. John Delony Show????????????????????????????????? ? ?????????????????????????????????Smart Money Happy Hour????????????????????????????????? ? ?????????????????????????????????The Rachel Cruze Show????????????????????????????????? ? ?????????????????????????????????George Kamel????????????????????????????????? ? ?????????????????????????????????Front Row Seat with Ken Coleman????????????????????????????????? ? ?????????????????????????????????EntreLeadership????????????????????????????????? ?????????????????????????????????Ramsey Solutions Privacy Policy??????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????????????????????????????????????Think you?re good with money? Take our Money in America quiz!???????????? George Kamel and Jade Warshaw answer your questions and discuss: "Was I right to break off my engagement because of bad money habits?" "My wife and I keep fighting about how much I spend" "How should I split bills with my parents?" "Should I build a buffer in my account to not have to borrow and payback my emergency fund between paychecks?" "Should we go into debt for me to go back to school?" "Should I keep a job that I hate so my husband can find a job in another field?" "How do I deposit $100k in cash without raising red flags?" "Should I surrender my car back to the lender?" "Should I move to another state to start a business?". Next Steps:?????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????????????????? ?send us an email???????????????????????????????? ? ???????????????????Get episodes early in the free Ramsey Network app?? ???? ?Open Enrollment is here?get free help from a RamseyTrusted health advisor ? ? ?????????????????????????????????????????Start your free budget today by downloading the EveryDollar app?? ? ???Black Friday deals won't last?get gifts for as low as $6.99?? ? ???????????Preorder What No One Tells You About Money today now and get $100+ in bonus items?? ? George Kamel visits Disney Springs near Orlando, Florida, to ask unsuspecting tourists potentially uncomfortable questions about their money! Connect With Our Sponsors: Stop paying more and start shopping smarter at ????ALDI???? Get 10% off your first month of???? BetterHelp???? Go to ????Boost Mobile???? to switch today Go to???? ????????Casper Sleep???? and use promo code RAMSEY to learn more Learn more about???? Christian Healthcare Ministries????. Get started today with???? Churchill Mortgage???? Get 20% off when you join ????DeleteMe???? Go to???? FAIRWINDS Credit Union???? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ????Guardian Litigation Group???? Find top health insurance plans at ????Health Trust Financial???? Use code RAMSEY to save 20% at ????Mama Bear Legal Forms???? Visit???? NetSuite???? today to learn more For more information, go to ????SimpliSafe???? Get started with ????YRefy???? or call 844-2-RAMSEY Visit???? Zander Insurance???? for your free instant quote today Explore more from Ramsey Network: ? ????????????????????????????????The Ramsey Show Highlights???????????????????????????????? ? ????????????????????????????????The Dr. John Delony Show???????????????????????????????? ? ????????????????????????????????Smart Money Happy Hour???????????????????????????????? ? ????????????????????????????????The Rachel Cruze Show???????????????????????????????? ? ????????????????????????????????George Kamel???????????????????????????????? ? ????????????????????????????????Front Row Seat with Ken Coleman???????????????????????????????? ? ????????????????????????????????EntreLeadership???????????????????????????????? ????????????????????????????????Ramsey Solutions Privacy Policy??????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????? Ken Coleman and Rachel Cruze answer your questions and discuss: "My financial advisor is telling me to take out a HELOC" "My kids keep breaking things and it's getting expensive, should I start making them pay for it?" "How do we navigate our family going from 2 to 7 people while juggling debt?" "My parents don't want me to go to my preferred college" "Should we setup a 529 account for my wife?" "Is it too late for me to buy a house?" "We are about to get $6,000,000. How do we best manage this money?". Next Steps:?????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????????????????? ?send us an email???????????????????????????????? ? ???????????????????Get episodes early in the free Ramsey Network app?? ? ?????????????????????????????????????????Start your free budget today. Download the EveryDollar app?? ? ???Black Friday deals won't last. Get gifts for as low as $6.99?? ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor Connect With Our Sponsors: Stop paying more and start shopping smarter at ????ALDI???? Get 10% off your first month of???? BetterHelp???? Go to ????Boost Mobile???? to switch today Go to???? ????????Casper Sleep???? and use promo code RAMSEY to learn more Learn more about???? Christian Healthcare Ministries????. Get started today with???? Churchill Mortgage???? Get 20% off when you join ????DeleteMe???? Go to???? FAIRWINDS Credit Union???? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ????Guardian Litigation Group???? Find top health insurance plans at ????Health Trust Financial???? Use code RAMSEY to save 20% at ????Mama Bear Legal Forms???? Visit???? NetSuite???? today to learn more For more information, go to ????SimpliSafe???? Get started with ????YRefy???? or call 844-2-RAMSEY Visit???? Zander Insurance???? for your free instant quote today Explore more from Ramsey Network: ? ????????????????????????????????The Ramsey Show Highlights???????????????????????????????? ? ????????????????????????????????The Dr. John Delony Show???????????????????????????????? ? ????????????????????????????????Smart Money Happy Hour???????????????????????????????? ? ????????????????????????????????The Rachel Cruze Show???????????????????????????????? ? ????????????????????????????????George Kamel???????????????????????????????? ? ????????????????????????????????Front Row Seat with Ken Coleman???????????????????????????????? ? ????????????????????????????????EntreLeadership???????????????????????????????? ????????????????????????????????Ramsey Solutions Privacy Policy??????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????? Rachel Cruze and Jade Warshaw answer your questions and discuss: "I'm in $147,000 of debt, should I sell my business to clear it?" "My wife has no interest in paying off our debt and it's putting a strain on our marriage" "I'm 17 and I am paying $1,100 for my car payment and insurance" "Should I take a semester to study abroad or should I grow my business?" "Should I sell off my investment property to pay off my primary home?" "My mom keeps asking me for money. How do I help her so she can support herself?" "I want to build a tiny home but it doesn't qualify for a mortgage, how do I finance this?" Next Steps:?????????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????????????????? ?send us an email???????????????????????????????? ? ???????????????????Get episodes early in the free Ramsey Network app?? ? ???Black Friday deals won't last. Get gifts for as low as $6.99? ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor ? ??????????????????????????????????????????Start your free budget today. Download the EveryDollar app??? ? ???????????Preorder What No One Tells You About Money today now and get $100+ in bonus items?? Connect With Our Sponsors: Stop paying more and start shopping smarter at ????ALDI???? Get 10% off your first month of???? BetterHelp???? Go to ????Boost Mobile???? to switch today Go to???? ????????Casper Sleep???? and use promo code RAMSEY to learn more Learn more about???? Christian Healthcare Ministries????. Get started today with???? Churchill Mortgage???? Get 20% off when you join ????DeleteMe???? Go to???? FAIRWINDS Credit Union???? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ????Guardian Litigation Group???? Find top health insurance plans at ????Health Trust Financial???? Use code RAMSEY to save 20% at ????Mama Bear Legal Forms???? Visit???? NetSuite???? today to learn more For more information, go to ????SimpliSafe???? Get started with ????YRefy???? or call 844-2-RAMSEY Visit???? Zander Insurance???? for your free instant quote today Explore more from Ramsey Network: ? ????????????????????????????????The Ramsey Show Highlights???????????????????????????????? ? ????????????????????????????????The Dr. John Delony Show???????????????????????????????? ? ????????????????????????????????Smart Money Happy Hour???????????????????????????????? ? ????????????????????????????????The Rachel Cruze Show???????????????????????????????? ? ????????????????????????????????George Kamel???????????????????????????????? ? ????????????????????????????????Front Row Seat with Ken Coleman???????????????????????????????? ? ????????????????????????????????EntreLeadership???????????????????????????????? ????????????????????????????????Ramsey Solutions Privacy Policy??????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????? George Kamel and Dr. John Delony answer your questions and discuss: "How do I set a realistic budget around Christmas when I want to give everything to my kids?" "I'm house poor and my debt is overwhelming me. How do I get out of this situation?" "We are $100,000 in consumer debt and we have been spending more than we make. Is a HELOC the only way out?" "Should we refinance a student loan in deferment?" "If I file for divorce, what should be my financial priorities?" "Who can I hire to help me manage my elderly parents finances?" "How do I plan for my future when most of my income is used to help my mom with expenses? "Should I sell my home in order to buy my son a house?". Next Steps:???????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????????????? ?send us an email??????????????????????????????? ? ??????????????????Get episodes early in the free Ramsey Network app? ? File your taxes with 100% accurate software that?s less than half of the price ? ????????????????????????????????????????Start your free budget today. Download the EveryDollar app? ? ??Black Friday deals won't last. Get gifts for as low as $6.99? Connect With Our Sponsors: Stop paying more and start shopping smarter at ???ALDI??? Get 10% off your first month of??? BetterHelp??? Go to ???Boost Mobile??? to switch today Go to??? ??????Casper Sleep??? and use promo code RAMSEY to learn more Learn more about??? Christian Healthcare Ministries???. Get started today with??? Churchill Mortgage??? Get 20% off when you join ???DeleteMe??? Go to??? FAIRWINDS Credit Union??? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ???Guardian Litigation Group??? Find top health insurance plans at ???Health Trust Financial??? Use code RAMSEY to save 20% at ???Mama Bear Legal Forms??? Visit??? NetSuite??? today to learn more For more information, go to ???SimpliSafe??? Get started with ???YRefy??? or call 844-2-RAMSEY Visit??? Zander Insurance??? for your free instant quote today Explore more from Ramsey Network: ? ???????????????????????????????The Ramsey Show Highlights??????????????????????????????? ? ???????????????????????????????The Dr. John Delony Show??????????????????????????????? ? ???????????????????????????????Smart Money Happy Hour??????????????????????????????? ? ???????????????????????????????The Rachel Cruze Show??????????????????????????????? ? ???????????????????????????????George Kamel??????????????????????????????? ? ???????????????????????????????Front Row Seat with Ken Coleman??????????????????????????????? ? ???????????????????????????????EntreLeadership??????????????????????????????? ???????????????????????????????Ramsey Solutions Privacy Policy?????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????? Ken Coleman and Jade Warshaw answer your questions and discuss: "My mom took student loans out in my name that I didn't know about. Should I let those loans go into default?" "How do we stay financially secure after we were in a car accident?" "My brother backed into my car and wrecked it. Now he is avoiding my husband and I. What should we do?" "We are in the negative every month on our rental income. What should we do?" "I live with, and work for my boyfriend. I feel like I don't have anything for myself. What should I do?" Next Steps:?????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????????? ?send us an email?????????????????????????????? ? ?????????????????Get episodes early in the free Ramsey Network app ? ???????????????????????????????????????Start your free budget today. Download the EveryDollar app ? ?Black Friday deals won't last. Get gifts for as low as $6.99 ? Get organized and prepared to buy or sell a home ? ?????????Preorder What No One Tells You About Money today now and get $100+ in bonus items Connect With Our Sponsors: Stop paying more and start shopping smarter at ??ALDI?? Get 10% off your first month of?? BetterHelp?? Go to ??Boost Mobile?? to switch today Go to?? ????Casper Sleep?? and use promo code RAMSEY to learn more Learn more about?? Christian Healthcare Ministries??. Get started today with?? Churchill Mortgage?? Get 20% off when you join ??DeleteMe?? Go to?? FAIRWINDS Credit Union?? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ??Guardian Litigation Group?? Find top health insurance plans at ??Health Trust Financial?? Use code RAMSEY to save 20% at ??Mama Bear Legal Forms?? Visit?? NetSuite?? today to learn more For more information, go to ??SimpliSafe?? Get started with ??YRefy?? or call 844-2-RAMSEY Visit?? Zander Insurance?? for your free instant quote today Explore more from Ramsey Network: ? ??????????????????????????????The Ramsey Show Highlights?????????????????????????????? ? ??????????????????????????????The Dr. John Delony Show?????????????????????????????? ? ??????????????????????????????Smart Money Happy Hour?????????????????????????????? ? ??????????????????????????????The Rachel Cruze Show?????????????????????????????? ? ??????????????????????????????George Kamel?????????????????????????????? ? ??????????????????????????????Front Row Seat with Ken Coleman?????????????????????????????? ? ??????????????????????????????EntreLeadership?????????????????????????????? ??????????????????????????????Ramsey Solutions Privacy Policy????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????? Ken Coleman and George Kamel answer your questions and discuss: "My boyfriend doesn?t want to marry me until I pay off my son's Parent PLUS Loan" "How can I get out of debt on a low income?" "Are rent-to-own plans a good way to grow my business?" "Our house burned down in the LA fires and insurance didn?t cover it. Should we pull from retirement to rebuild?" "My husband handles all of the finances. Is wanting to be included asking too much?" "Am I obligated to share my inheritance with my sisters?" "My husband and I exceed the income limits for retirement contributions. What other strategies should we consider?" "Should I sell my house or continue renting it to my in-laws?". Next Steps:?????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????????? ?send us an email??????????????????????????????. ? ?????????????????Get episodes early in the free Ramsey Network app! ????????????????? ? ???????????????????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????????????????? ? Black Friday deals won't last. Get gifts for as low as $6.99! ? ?File your taxes with 100% accurate software that?s less than half of the price? ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today Connect With Our Sponsors: Stop paying more and start shopping smarter at ??ALDI?? Get 10% off your first month of?? BetterHelp?? Go to ??Boost Mobile?? to switch today Go to?? ????Casper Sleep?? and use promo code RAMSEY to learn more Learn more about?? Christian Healthcare Ministries??. Get started today with?? Churchill Mortgage?? Get 20% off when you join ??DeleteMe?? Go to?? FAIRWINDS Credit Union?? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ??Guardian Litigation Group?? Find top health insurance plans at ??Health Trust Financial?? Use code RAMSEY to save 20% at ??Mama Bear Legal Forms?? Visit?? NetSuite?? today to learn more For more information, go to ??SimpliSafe?? Get started with ??YRefy?? or call 844-2-RAMSEY Visit?? Zander Insurance?? for your free instant quote today Explore more from Ramsey Network: ? ??????????????????????????????The Ramsey Show Highlights?????????????????????????????? ? ??????????????????????????????The Dr. John Delony Show?????????????????????????????? ? ??????????????????????????????Smart Money Happy Hour?????????????????????????????? ? ??????????????????????????????The Rachel Cruze Show?????????????????????????????? ? ??????????????????????????????George Kamel?????????????????????????????? ? ??????????????????????????????Front Row Seat with Ken Coleman?????????????????????????????? ? ??????????????????????????????EntreLeadership?????????????????????????????? ??????????????????????????????Ramsey Solutions Privacy Policy????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????????????????????????????Think you?re good with money? Take our Money in America quiz!?????????? Ken Coleman and George Kamel answer your questions and discuss: "I don't have anything saved for retirement. Is it too late for me to start investing?" "I keep having to dip into my investments to pay my taxes. How do I stop this cycle?" "When I turn 18 I will gain access to a $100,000 stock portfolio. How do I best grow this money?" "My wife wants us to pay off our house but it doesn't make sense to me" "I have been on social security for 25 years. How do I change my life and stop living in poverty?" "Should I refinance my home to pay off my debt and HELOC?" "Should we be saving money in an HSA when we are in Baby Step 2?" Next Steps:?????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????????? ?send us an email??????????????????????????????. ? ?????????????????Get episodes early in the free Ramsey Network app! ????????????????? ? ??????????Preorder What No One Tells You About Money today now and get $100+ in bonus items ? File your taxes with 100% accurate software that?s less than half of the price ? ???????????????????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????????????????? ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today Connect With Our Sponsors: Stop paying more and start shopping smarter at ??ALDI?? Get 10% off your first month of?? BetterHelp?? Go to ??Boost Mobile?? to switch today Go to?? ????Casper Sleep?? and use promo code RAMSEY to learn more Learn more about?? Christian Healthcare Ministries??. Get started today with?? Churchill Mortgage?? Get 20% off when you join ??DeleteMe?? Go to?? FAIRWINDS Credit Union?? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ??Guardian Litigation Group?? Find top health insurance plans at ??Health Trust Financial?? Use code RAMSEY to save 20% at ??Mama Bear Legal Forms?? Visit?? NetSuite?? today to learn more For more information, go to ??SimpliSafe?? Get started with ??YRefy?? or call 844-2-RAMSEY Visit?? Zander Insurance?? for your free instant quote today Explore more from Ramsey Network: ? ??????????????????????????????The Ramsey Show Highlights?????????????????????????????? ? ??????????????????????????????The Dr. John Delony Show?????????????????????????????? ? ??????????????????????????????Smart Money Happy Hour?????????????????????????????? ? ??????????????????????????????The Rachel Cruze Show?????????????????????????????? ? ??????????????????????????????George Kamel?????????????????????????????? ? ??????????????????????????????Front Row Seat with Ken Coleman?????????????????????????????? ? ??????????????????????????????EntreLeadership?????????????????????????????? ??????????????????????????????Ramsey Solutions Privacy Policy????????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????????????????????????????Think you?re good with money? Take our Money in America quiz!??????????? George Kamel and Jade Warshaw answer your questions and discuss: "We are $30,000 in debt and we're behind on our bills. Should we file bankruptcy?" "How can I pay off debt when I have nothing left over after paying all of my bills?" "My wife's friends told her that I am being financially controlling. Are they right?" "Can I use my kids' 529 plans to pay down my debt?" "Are my girlfriend and I building too much house?" "Should I hold off on paying my student loans and let the military pay them off?" "How do we figure out if it's worth it to move to a different state for a better quality of life?" "What's the best way to invest $1 million from a business deal?" "I caught my husband lying to me about our finances. How do I begin to rebuild trust in him?" Next Steps:???????????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????????????? ?send us an email???????????????????????????????. ? ??????????????????Get episodes early in the free Ramsey Network app! ?????????????????? ? ?File your taxes with 100% accurate software that?s less than half of the price.? ? ??Preorder What No One Tells You About Money today now and get $100+ in bonus items.?? ? ????????????????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????????????????? ???? ?Open Enrollment is here?get free help from a RamseyTrusted health advisor ? Connect With Our Sponsors: Stop paying more and start shopping smarter at ???ALDI??? Get 10% off your first month of??? BetterHelp??? Go to ???Boost Mobile??? to switch today Go to??? ??????Casper Sleep??? and use promo code RAMSEY to learn more Learn more about??? Christian Healthcare Ministries???. Get started today with??? Churchill Mortgage??? Get 20% off when you join ???DeleteMe??? Go to??? FAIRWINDS Credit Union??? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ???Guardian Litigation Group??? Find top health insurance plans at ???Health Trust Financial??? Use code RAMSEY to save 20% at ???Mama Bear Legal Forms??? Visit??? NetSuite??? today to learn more For more information, go to ???SimpliSafe??? Get started with ???YRefy??? or call 844-2-RAMSEY Visit??? Zander Insurance??? for your free instant quote today Explore more from Ramsey Network: ? ???????????????????????????????The Ramsey Show Highlights??????????????????????????????? ? ???????????????????????????????The Dr. John Delony Show??????????????????????????????? ? ???????????????????????????????Smart Money Happy Hour??????????????????????????????? ? ???????????????????????????????The Rachel Cruze Show??????????????????????????????? ? ???????????????????????????????George Kamel??????????????????????????????? ? ???????????????????????????????Front Row Seat with Ken Coleman??????????????????????????????? ? ???????????????????????????????EntreLeadership??????????????????????????????? ???????????????????????????????Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????Think you?re good with money? Take our Money in America quiz! Ken Coleman and Jade Warshaw answer your questions and discuss: ?Should I be paying off the Parent PLUS loan my dad took out?? ?My husband and I feel behind. We don?t have a house or retirement savings and we?re $50,000 in debt? ?Should I switch to a job that will pay more but I will enjoy less?? ?We have money to pay off a car loan but also have a newborn, is it wise to pay off the car loan now or should we wait?? ?I was recently laid off from my job and have an opportunity to help a scrappy startup. Should I take it?? ?How do we teach our 6 year old daughter about contentment?? ?My mom recently passed away and I am taking care of my siblings that are still minors. What should I do with her house?? ?Should I use $8k from savings to publish my book?? ?I?m living in a one bedroom apartment and about to have our second child. What should our next housing move be?? ?I have $50,000 in savings at 21 years-old and I?m unsure what to do with it? Next Steps:???????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????????????? ?send us an email?????????????????????????????. ? ????????????????Get episodes early in the free Ramsey Network app! ???????????????? ? ??????????????????????????????????????Start your free budget today. Download the EveryDollar app!????????????????????????????????????? ??????Protect yourself with trusted insurance coverage that fits your budget ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? Preorder What No One Tells You About Money today now and get $100+ in bonus items. Connect With Our Sponsors: Stop paying more and start shopping smarter at ?ALDI? Get 10% off your first month of? BetterHelp? Go to ?Boost Mobile? to switch today Go to? ??Casper Sleep? and use promo code RAMSEY to learn more Learn more about? Christian Healthcare Ministries?. Get started today with? Churchill Mortgage? Get 20% off when you join ?DeleteMe? Go to? FAIRWINDS Credit Union? for an exclusive account bundle Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ?Health Trust Financial? Use code RAMSEY to save 20% at ?Mama Bear Legal Forms? Visit? NetSuite? today to learn more For more information, go to ?SimpliSafe? Get started with ?YRefy? or call 844-2-RAMSEY Visit? Zander Insurance? for your free instant quote today Explore more from Ramsey Network: ? ?????????????????????????????The Ramsey Show Highlights????????????????????????????? ? ?????????????????????????????The Dr. John Delony Show????????????????????????????? ? ?????????????????????????????Smart Money Happy Hour????????????????????????????? ? ?????????????????????????????The Rachel Cruze Show????????????????????????????? ? ?????????????????????????????George Kamel????????????????????????????? ? ?????????????????????????????Front Row Seat with Ken Coleman????????????????????????????? ? ?????????????????????????????EntreLeadership????????????????????????????? ?????????????????????????????Ramsey Solutions Privacy Policy???????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

?? ???Help us make the show better! Take this 6-question survey.??? Jade Warshaw and Dr. John Delony answer your questions and discuss: ?How do I pay off my debt?? ?Do we need to be 'gazelle intense' with our investing?? ?Should I help my sister out financially in order for her to come visit for Thanksgiving?? ?I am struggling to balance paying off debt and spending time with family. How do I work through this?? ?How do my fiancé and I plan to protect both his family business and my security?? ?How do I start investing?? ?I don?t make enough to cover my expenses every month. Can I consolidate my debt before I fall behind?? ?How do I stop struggling with personal fulfillment after my divorce?? ?I have $140,000 in credit card debt. Should I go into default and use debt relief programs?? Next Steps:?????????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????????????? ?send us an email????????????????????????????. ? ???????????????Get episodes early in the free Ramsey Network app! ??????????????? ? 24 Hours Only! Grab life-changing gifts for just $11 ? ?????????????????????????????????????Start your free budget today. Download the EveryDollar app!???????????????????????????????????? ?????Protect yourself with trusted insurance coverage that fits your budget ??? ? ???????Preorder What No One Tells You About Money today now and get $100+ in bonus items.?????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ALDI Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today Go to Casper Sleep and use promo code RAMSEY to learn more Learn more about Christian Healthcare Ministries. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more For more information, go to SimpliSafe Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance for your free instant quote today Explore more from Ramsey Network: ? ????????????????????????????The Ramsey Show Highlights???????????????????????????? ? ????????????????????????????The Dr. John Delony Show???????????????????????????? ? ????????????????????????????Smart Money Happy Hour???????????????????????????? ? ????????????????????????????The Rachel Cruze Show???????????????????????????? ? ????????????????????????????George Kamel???????????????????????????? ? ????????????????????????????Front Row Seat with Ken Coleman???????????????????????????? ? ????????????????????????????EntreLeadership???????????????????????????? ????????????????????????????Ramsey Solutions Privacy Policy??????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

?? ?Help us make the show better! Take this 6-question survey.? Ken Coleman and Jade Warshaw answer your questions and discuss: "Should I drop out of college to go into the family business?" "Should we buy a car before paying off debt?" "My husband wants to invest instead of pay off debt" "Should we build a home for my in-laws so we can move into their house?" "Our insurance premium just doubled. Should we look for an alternative?" "Should we cash out our retirement to pay off debt?" "How do I overcome my spending addiction?" Next Steps:?????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????? ?send us an email??????????????????????????. ? ?????????????Get episodes early in the free Ramsey Network app! ????????????? ? ?????Get organized and prepared to buy or sell a home. ????? ? ???????????????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????????????? ? ????Preorder What No One Tells You About Money today now and get $100+ in bonus items.???? ???Protect yourself with trusted insurance coverage that fits your budget ? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????????????????????????ALDI?????????????????????????. Get 10% off your first month of????????????????????????? BetterHelp?????????????????????????. Go to ?????????????????????????Boost Mobile????????????????????????? to switch today! Go to??????????????? ??????????????????????????????Casper Sleep??????????????? and use promo code RAMSEY to learn more. Learn more about????????????????????????? Christian Healthcare Ministries?????????????????????????. Get started today with????????????????????????? Churchill Mortgage?????????????????????????. Get 20% off when you join ?????????????????????????DeleteMe?????????????????????????. Go to????????????????????????? FAIRWINDS Credit Union????????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ??????Guardian Litigation Group?????? Find top health insurance plans at ?????????????????????????Health Trust Financial?????????????????????????. Use code RAMSEY to save 20% at ?????????????????????????Mama Bear Legal Forms?????????????????????????. Visit????????????????????????? NetSuite????????????????????????? today to learn more. For more information, go to ?????????????????????????SimpliSafe?????????????????????????. Get started with ?????????????????????????YRefy????????????????????????? or call 844-2-RAMSEY. Visit????????????????????????? Zander Insurance????????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????????????The Ramsey Show Highlights?????????????????????????? ? ??????????????????????????The Dr. John Delony Show?????????????????????????? ? ??????????????????????????Smart Money Happy Hour?????????????????????????? ? ??????????????????????????The Rachel Cruze Show?????????????????????????? ? ??????????????????????????George Kamel?????????????????????????? ? ??????????????????????????Front Row Seat with Ken Coleman?????????????????????????? ? ??????????????????????????EntreLeadership?????????????????????????? ??????????????????????????Ramsey Solutions Privacy Policy????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

?? ?Help us make the show better! Take this 6-question survey.? Dave Ramsey and Rachel Cruze answer your questions and discuss: "I've been fired 14 times and no employer will look at me now. What are my options to get out of this cycle?" "I was living with my girlfriend and her family, we broke up and now I have to move out and I don't know what to do" "Should I use my bonus to gain equity in the small business I work for?" "I bought an Airbnb cabin and now I am behind on my bills" "My dad offered to cashflow my first home. How do I structure this the right way?" Next Steps:?????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????? ?send us an email??????????????????????????. ? ?????????????Get episodes early in the free Ramsey Network app! ????????????? ? ???????????????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????????????? ? ????Preorder What No One Tells You About Money today now and get $100+ in bonus items.???? ???Protect yourself with trusted insurance coverage that fits your budget ? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????????????????????????ALDI?????????????????????????. Get 10% off your first month of????????????????????????? BetterHelp?????????????????????????. Go to ?????????????????????????Boost Mobile????????????????????????? to switch today! Go to??????????????? ??????????????????????????????Casper Sleep??????????????? and use promo code RAMSEY to learn more. Learn more about????????????????????????? Christian Healthcare Ministries?????????????????????????. Get started today with????????????????????????? Churchill Mortgage?????????????????????????. Get 20% off when you join ?????????????????????????DeleteMe?????????????????????????. Go to????????????????????????? FAIRWINDS Credit Union????????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ??????Guardian Litigation Group?????? Find top health insurance plans at ?????????????????????????Health Trust Financial?????????????????????????. Use code RAMSEY to save 20% at ?????????????????????????Mama Bear Legal Forms?????????????????????????. Visit????????????????????????? NetSuite????????????????????????? today to learn more. For more information, go to ?????????????????????????SimpliSafe?????????????????????????. Get started with ?????????????????????????YRefy????????????????????????? or call 844-2-RAMSEY. Visit????????????????????????? Zander Insurance????????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????????????The Ramsey Show Highlights?????????????????????????? ? ??????????????????????????The Dr. John Delony Show?????????????????????????? ? ??????????????????????????Smart Money Happy Hour?????????????????????????? ? ??????????????????????????The Rachel Cruze Show?????????????????????????? ? ??????????????????????????George Kamel?????????????????????????? ? ??????????????????????????Front Row Seat with Ken Coleman?????????????????????????? ? ??????????????????????????EntreLeadership?????????????????????????? ??????????????????????????Ramsey Solutions Privacy Policy????????? Learn more about your ad choices. Visit megaphone.fm/adchoices

?? ??Help us make the show better! Take this 6-question survey.? George Kamel and Rachel Cruze answer your questions and discuss: "My parents want me to use my savings to buy them a house" "I'm $65,000 in debt and I feel completely overwhelmed" "My father has a $1.3 million net worth and none of it is invested. How do I help him grow his wealth?" "Should I stop investing in Baby Step 2 and lose out on my employer match?" "I lost everything in my divorce and I don't know how I am going to pay rent this month" "How do I save up for our wedding while I am in Baby Step 2?". Next Steps: ???????????????????????????? ?Help us make the show better. Please take this short survey.??????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????????? ?send us an email??????????????????????????. ? ?????????????Get episodes early in the free Ramsey Network app! ????????????? ? ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.? ???Protect yourself with trusted insurance coverage that fits your budget ? ? ????????????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????????????? ? ?Preorder What No One Tells You About Money today now and get $100+ in bonus items.? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????????????????????????ALDI?????????????????????????. Get 10% off your first month of????????????????????????? BetterHelp?????????????????????????. Go to ?????????????????????????Boost Mobile????????????????????????? to switch today! Go to??????????????? ??????????????????????????????Casper Sleep??????????????? and use promo code RAMSEY to learn more. Learn more about????????????????????????? Christian Healthcare Ministries?????????????????????????. Get started today with????????????????????????? Churchill Mortgage?????????????????????????. Get 20% off when you join ?????????????????????????DeleteMe?????????????????????????. Go to????????????????????????? FAIRWINDS Credit Union????????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ??????Guardian Litigation Group?????? Find top health insurance plans at ?????????????????????????Health Trust Financial?????????????????????????. Use code RAMSEY to save 20% at ?????????????????????????Mama Bear Legal Forms?????????????????????????. Visit????????????????????????? NetSuite????????????????????????? today to learn more. For more information, go to ?????????????????????????SimpliSafe?????????????????????????. Get started with ?????????????????????????YRefy????????????????????????? or call 844-2-RAMSEY. Visit????????????????????????? Zander Insurance????????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????????????The Ramsey Show Highlights?????????????????????????? ? ??????????????????????????The Dr. John Delony Show?????????????????????????? ? ??????????????????????????Smart Money Happy Hour?????????????????????????? ? ??????????????????????????The Rachel Cruze Show?????????????????????????? ? ??????????????????????????George Kamel?????????????????????????? ? ??????????????????????????Front Row Seat with Ken Coleman?????????????????????????? ? ??????????????????????????EntreLeadership?????????????????????????? ??????????????????????????Ramsey Solutions Privacy Policy?????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????????Can an online will work for you? Take this quiz to find out!???????????? George Kamel and Dr. John Delony answer your questions and discuss: ?My friends are telling me to pay off my truck but I?d rather just keep paying the payments? ?What?s the best method for throwing cash at my various loans?? ?How do I get out of a life insurance policy that I?ve already invested in?? ?Should we buy a home or prioritize investing at our age?? ?Should I take out a HELOC to pay for my kids? private high school tuition?? ?How do we start the baby steps when we?re $150,000 in debt?? ?Should I buy an older cheap car or just get a new one?? ?We are in our 70s, should we spend $35,000 to go to Europe?? ?How do I best use a $200k bonus?? ?How can I encourage my father to make wise, biblical decisions about his estate?? ?Should we rent or buy once we move?? ?How much house can we afford?? ?I?m making $250,000 a year but can?t afford a home in my area. Where should I be saving my money?? ?It would take over ten years to pay off our debt. Do the baby steps still work for us?? Next Steps: ??????????????????????????? ?Help us make the show better. Please take this short survey.?????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????????? ?send us an email?????????????????????????. ? ????????????Get episodes early in the free Ramsey Network app! ???Protect yourself with trusted insurance coverage that fits your budget ? ??????????????????????????????????Start your free budget today. Download the EveryDollar app!????????????????????????????????? ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today ? Preorder What No One Tells You About Money today now and get $100+ in bonus items Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????????????ALDI???????????????????????? Get 10% off your first month of???????????????????????? BetterHelp???????????????????????? Go to ????????????????????????Boost Mobile???????????????????????? to switch today! Go to?????????????? ????????????????????????????Casper Sleep?????????????? and use promo code RAMSEY to learn more Learn more about???????????????????????? Christian Healthcare Ministries???????????????????????? Get started today with???????????????????????? Churchill Mortgage???????????????????????? Get 20% off when you join ????????????????????????DeleteMe???????????????????????? Go to???????????????????????? FAIRWINDS Credit Union???????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?????Guardian Litigation Group????? Find top health insurance plans at ????????????????????????Health Trust Financial???????????????????????? Use code RAMSEY to save 20% at ????????????????????????Mama Bear Legal Forms???????????????????????? Visit???????????????????????? NetSuite???????????????????????? today to learn more For more information, go to ????????????????????????SimpliSafe???????????????????????? Get started with ????????????????????????YRefy???????????????????????? or call 844-2-RAMSEY Visit???????????????????????? Zander Insurance???????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ?????????????????????????The Ramsey Show Highlights????????????????????????? ? ?????????????????????????The Dr. John Delony Show????????????????????????? ? ?????????????????????????Smart Money Happy Hour????????????????????????? ? ?????????????????????????The Rachel Cruze Show????????????????????????? ? ?????????????????????????George Kamel????????????????????????? ? ?????????????????????????Front Row Seat with Ken Coleman????????????????????????? ? ?????????????????????????EntreLeadership????????????????????????? ?????????????????????????Ramsey Solutions Privacy Policy???????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????????Can an online will work for you? Take this quiz to find out!??????????? Ken Coleman and Jade Warshaw answer your questions and discuss: "Does it make sense to use balance transfer cards to pay off my debt instead of consolidating?" "I'm $52,000 in debt, how do I get rid of the debt without selling my toys?" "I'm recovering from a car wreck and barely surviving on disability. How do I not feel like I'm letting my family down?" "How do we prepare for our 6th baby?" "Should we refinance our car loan?" "My company stock has lost 30% of its value. Should I cut my losses and cash out the stock?" Next Steps: ?????????????????????????? ?Help us make the show better. Please take this short survey.????????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????????? ?send us an email????????????????????????. ? ???????????Get episodes early in the free Ramsey Network app! ??????????? ? ?????????????????????????????????Start your free budget today. Download the EveryDollar app!???????????????????????????????? ? ??Preorder What No One Tells You About Money today now and get $100+ in bonus items.?? ? ??Get organized and prepared to buy or sell a home. ?? Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????????????????????ALDI???????????????????????. Get 10% off your first month of??????????????????????? BetterHelp???????????????????????. Go to ???????????????????????Boost Mobile??????????????????????? to switch today! Go to????????????? ??????????????????????????Casper Sleep????????????? and use promo code RAMSEY to learn more. Learn more about??????????????????????? Christian Healthcare Ministries???????????????????????. Get started today with??????????????????????? Churchill Mortgage???????????????????????. Get 20% off when you join ???????????????????????DeleteMe???????????????????????. Go to??????????????????????? FAIRWINDS Credit Union??????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ????Guardian Litigation Group???? Find top health insurance plans at ???????????????????????Health Trust Financial???????????????????????. Use code RAMSEY to save 20% at ???????????????????????Mama Bear Legal Forms???????????????????????. Visit??????????????????????? NetSuite??????????????????????? today to learn more. For more information, go to ???????????????????????SimpliSafe???????????????????????. Get started with ???????????????????????YRefy??????????????????????? or call 844-2-RAMSEY. Visit??????????????????????? Zander Insurance??????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????????????The Ramsey Show Highlights???????????????????????? ? ????????????????????????The Dr. John Delony Show???????????????????????? ? ????????????????????????Smart Money Happy Hour???????????????????????? ? ????????????????????????The Rachel Cruze Show???????????????????????? ? ????????????????????????George Kamel???????????????????????? ? ????????????????????????Front Row Seat with Ken Coleman???????????????????????? ? ????????????????????????EntreLeadership???????????????????????? ????????????????????????Ramsey Solutions Privacy Policy??????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????Can an online will work for you? Take this quiz to find out!?????????? Jade Warshaw and Ken Coleman answer your questions and discuss: ?My RV payment is 50% of my income and it?s on a 15-year, 17% interest rate loan. What should I do?? ?My ex-fiacée is pregnant with my kid. I feel like she is taking advantage of me financially. Should I stop giving her money?? ?My husband started a small business and it rarely brings in income. How long do we keep this going?? ?We are $103,000 in debt. How do we stop ourselves from going back into debt once we pay this off?? ?I was just laid off today. How do I choose a severance option?? ?Should I pay my debt off now or wait?? ?How much do I need to save for the birth of our child?? ?I?m about to be gifted a 25% stake in a business and I don?t want it. What should I do?? ?When transitioning to cash, how do we pay last month?s bills and this month?s bills?? ?I won $200,000 in the lottery. What should I do with this money?? Next Steps: ????????????????????????? ?Help us make the show better. Please take this short survey.???????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????? ?send us an email???????????????????????. ? ??????????Get episodes early in the free Ramsey Network app! ?????????? ? ??Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!?? ? ?Get organized and prepared to buy or sell a home. ? ? ???????????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????????? ? Preorder What No One Tells You About Money today now and get $100+ in bonus items. ??Protect yourself with trusted insurance coverage that fits your budget ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????????ALDI??????????????????????. Get 10% off your first month of?????????????????????? BetterHelp??????????????????????. Go to ??????????????????????Boost Mobile?????????????????????? to switch today! Go to???????????? ????????????????????????Casper Sleep???????????? and use promo code RAMSEY to learn more. Learn more about?????????????????????? Christian Healthcare Ministries??????????????????????. Get started today with?????????????????????? Churchill Mortgage??????????????????????. Get 20% off when you join ??????????????????????DeleteMe??????????????????????. Go to?????????????????????? FAIRWINDS Credit Union?????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ???Guardian Litigation Group??? Find top health insurance plans at ??????????????????????Health Trust Financial??????????????????????. Use code RAMSEY to save 20% at ??????????????????????Mama Bear Legal Forms??????????????????????. Visit?????????????????????? NetSuite?????????????????????? today to learn more. For more information, go to ??????????????????????SimpliSafe??????????????????????. Get started with ??????????????????????YRefy?????????????????????? or call 844-2-RAMSEY. Visit?????????????????????? Zander Insurance?????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????????????The Ramsey Show Highlights??????????????????????? ? ???????????????????????The Dr. John Delony Show??????????????????????? ? ???????????????????????Smart Money Happy Hour??????????????????????? ? ???????????????????????The Rachel Cruze Show??????????????????????? ? ???????????????????????George Kamel??????????????????????? ? ???????????????????????Front Row Seat with Ken Coleman??????????????????????? ? ???????????????????????EntreLeadership??????????????????????? ???????????????????????Ramsey Solutions Privacy Policy??????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????Can an online will work for you? Take this quiz to find out!?????????? Rachel Cruze and Dr. John Delony answer your questions and discuss: ?How can we overcome money issues like we did addiction & alcoholism?? ?How do I combine finances with my girlfriend?? ?How do we get my mom to move out of our house?? ?Are precious metals a good investment?? ?I?m upside down on an RV, how do I get rid of it?? ?Should I pay my husband?s credit card debt from gambling and reckless spending?? ?Should we teach our kids about money with cash or debit cards?? ?My boyfriend stopped supporting me after we broke up and we own a home together. Should I sell the house?? ?Should I pull money out of a retirement account for baby step 1?? ?Everyone is telling me to go even more into debt instead of paying it off? ?I have anxiety about my job change even though I crunched the numbers. How do I find peace in this process?? ?The buyer on our home pulled out an hour before closing but we already moved into the home. What should we do?? Next Steps: ????????????????????????? ?Help us make the show better. Please take this short survey.???????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????? ?send us an email???????????????????????. ? ??????????Get episodes early in the free Ramsey Network app! ?????????? ? ????????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????????? ? ??Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!?? ? Find out where you stand with your money and get a free plan. ? ?Get organized and prepared to buy or sell a home. ? ???Protect yourself with trusted insurance coverage that fits your budget ? Preorder What No One Tells You About Money today now and get $100+ in bonus items. Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????????ALDI??????????????????????. Get 10% off your first month of?????????????????????? BetterHelp??????????????????????. Go to ??????????????????????Boost Mobile?????????????????????? to switch today! Go to???????????? ????????????????????????Casper Sleep???????????? and use promo code RAMSEY to learn more. Learn more about?????????????????????? Christian Healthcare Ministries??????????????????????. Get started today with?????????????????????? Churchill Mortgage??????????????????????. Get 20% off when you join ??????????????????????DeleteMe??????????????????????. Go to?????????????????????? FAIRWINDS Credit Union?????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ???Guardian Litigation Group??? Find top health insurance plans at ??????????????????????Health Trust Financial??????????????????????. Use code RAMSEY to save 20% at ??????????????????????Mama Bear Legal Forms??????????????????????. Visit?????????????????????? NetSuite?????????????????????? today to learn more. For more information, go to ??????????????????????SimpliSafe??????????????????????. Get started with ??????????????????????YRefy?????????????????????? or call 844-2-RAMSEY. Visit?????????????????????? Zander Insurance?????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????????????The Ramsey Show Highlights??????????????????????? ? ???????????????????????The Dr. John Delony Show??????????????????????? ? ???????????????????????Smart Money Happy Hour??????????????????????? ? ???????????????????????The Rachel Cruze Show??????????????????????? ? ???????????????????????George Kamel??????????????????????? ? ???????????????????????Front Row Seat with Ken Coleman??????????????????????? ? ???????????????????????EntreLeadership??????????????????????? ???????????????????????Ramsey Solutions Privacy Policy??????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????Can an online will work for you? Take this quiz to find out!?????????? Rachel Cruze and Dr. John Delony answer your questions and discuss: ?Should I let my car get repossessed and get a cheaper car or get it paid off?? ?How do I ask for a raise based on my performance at work?? ?We?ve paid off our house and have kids? college done, but still struggle with saving and paying off debt? ?Should we file bankruptcy?? ?Should I pay off my credit card with an old retirement account?? ?How do we deal with friends while paying off debt?? ?How do we protect our assets in case one of us relapses?? ?I?m almost done with baby step 3, how aggressive should we be with investing for retirement vs. paying off our house?? ?After I pay all my bills, I only have $100 left. How do I find more margin in my budget to pay off $7,000 of debt?? ?How do we organize a 529 plan from my parents that I didn?t use and transition it to my two kids?? ?How do we get out of the financial disaster that we?re in?? ?I?ve been taking care of 3 handicapped family members and I now have no savings. How do I get my finances built back up?? Next Steps: ????????????????????????? ?Help us make the show better. Please take this short survey.???????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????? ?send us an email???????????????????????. ? ??????????Get episodes early in the free Ramsey Network app! ?????????? ? ???????????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????????? ? ???Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!??? ? For help with investing, get connected with a SmartVestor Pro. ???Protect yourself with trusted insurance coverage that fits your budget ? Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????????ALDI??????????????????????. Get 10% off your first month of?????????????????????? BetterHelp??????????????????????. Go to ??????????????????????Boost Mobile?????????????????????? to switch today! Go to???????????? ????????????????????????Casper Sleep???????????? and use promo code RAMSEY to learn more. Learn more about?????????????????????? Christian Healthcare Ministries??????????????????????. Get started today with?????????????????????? Churchill Mortgage??????????????????????. Get 20% off when you join ??????????????????????DeleteMe??????????????????????. Go to?????????????????????? FAIRWINDS Credit Union?????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ???Guardian Litigation Group??? Find top health insurance plans at ??????????????????????Health Trust Financial??????????????????????. Use code RAMSEY to save 20% at ??????????????????????Mama Bear Legal Forms??????????????????????. Visit?????????????????????? NetSuite?????????????????????? today to learn more. For more information, go to ??????????????????????SimpliSafe??????????????????????. Get started with ??????????????????????YRefy?????????????????????? or call 844-2-RAMSEY. Visit?????????????????????? Zander Insurance?????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????????????The Ramsey Show Highlights??????????????????????? ? ???????????????????????The Dr. John Delony Show??????????????????????? ? ???????????????????????Smart Money Happy Hour??????????????????????? ? ???????????????????????The Rachel Cruze Show??????????????????????? ? ???????????????????????George Kamel??????????????????????? ? ???????????????????????Front Row Seat with Ken Coleman??????????????????????? ? ???????????????????????EntreLeadership??????????????????????? ???????????????????????Ramsey Solutions Privacy Policy??????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????????Can an online will work for you? Take this quiz to find out!?????????? Jade Warshaw and George Kamel answer your questions and discuss: ?Why isn?t bankruptcy a good way to force me into a ?cash is king? approach to debt?? ?My mother expects my brother and me to take care of her financially in her old age. What should we do?? ?How do we pay off a HELOC that we?ve been using as a giant credit card?? ?How do I deal with family that?s mismanaging their money?? ?Should I stay in my job or go to college?? ?I?m $90,000 in debt and I?m struggling to cut back my expenses. How do I get into a ?rice and beans? mentality?? ?My mother is in $90,000 of debt and after digging into her finances, I have no idea how to help her? ?If I was looking for a risky investment, what are my best options?? ?Should we pull money from retirement or take out a Heloc to cover our expenses when my husband changes careers?? ?Do you recommend adult children living with parents without contributing to expenses?? ?Should we sell our dream home for financial peace?? ?My father gave me a loan for my house. Should I pay him back or have it taken out of my inheritance?? Next Steps: ????????????????????????? ?Help us make the show better. Please take this short survey.???????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????????? ?send us an email???????????????????????. ? ??????????Get episodes early in the free Ramsey Network app! ?????????? ? ????????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????????? ? Find out where you stand with your money and get a free plan. ?????Protect yourself with trusted insurance coverage that fits your budget ? ??Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!?? Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????????ALDI??????????????????????. Get 10% off your first month of?????????????????????? BetterHelp??????????????????????. Go to ??????????????????????Boost Mobile?????????????????????? to switch today! Go to???????????? ????????????????????????Casper Sleep???????????? and use promo code RAMSEY to learn more. Learn more about?????????????????????? Christian Healthcare Ministries??????????????????????. Get started today with?????????????????????? Churchill Mortgage??????????????????????. Get 20% off when you join ??????????????????????DeleteMe??????????????????????. Go to?????????????????????? FAIRWINDS Credit Union?????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ???Guardian Litigation Group??? Find top health insurance plans at ??????????????????????Health Trust Financial??????????????????????. Use code RAMSEY to save 20% at ??????????????????????Mama Bear Legal Forms??????????????????????. Visit?????????????????????? NetSuite?????????????????????? today to learn more. For more information, go to ??????????????????????SimpliSafe??????????????????????. Get started with ??????????????????????YRefy?????????????????????? or call 844-2-RAMSEY. Visit?????????????????????? Zander Insurance?????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????????????The Ramsey Show Highlights??????????????????????? ? ???????????????????????The Dr. John Delony Show??????????????????????? ? ???????????????????????Smart Money Happy Hour??????????????????????? ? ???????????????????????The Rachel Cruze Show??????????????????????? ? ???????????????????????George Kamel??????????????????????? ? ???????????????????????Front Row Seat with Ken Coleman??????????????????????? ? ???????????????????????EntreLeadership??????????????????????? ???????????????????????Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

?? Sign up to know where The Ramsey Show LIVE goes next! ? Start eliminating debt for free with EveryDollar The Ramsey Show hits the road! ?? George Kamel, Dr. John Delony, and Jade Warshaw are live from Orlando with a packed house and powerful conversations about money, careers, and relationships. Next Steps: ?????????????????????? ?Help us make the show better. Please take this short survey.????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????? ?send us an email????????????????????. ? ????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????????ALDI????????????????????. Get 10% off your first month of???????????????????? BetterHelp????????????????????. Go to ????????????????????Boost Mobile???????????????????? to switch today! Go to?????????? ????????????????????Casper Sleep?????????? and use promo code RAMSEY to learn more. Learn more about???????????????????? Christian Healthcare Ministries????????????????????. Get started today with???????????????????? Churchill Mortgage????????????????????. Get 20% off when you join ????????????????????DeleteMe????????????????????. Go to???????????????????? FAIRWINDS Credit Union???????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ????????????????????Health Trust Financial????????????????????. Use code RAMSEY to save 20% at ????????????????????Mama Bear Legal Forms????????????????????. Visit???????????????????? NetSuite???????????????????? today to learn more. For more information, go to ????????????????????SimpliSafe????????????????????. Get started with ????????????????????YRefy???????????????????? or call 844-2-RAMSEY. Visit???????????????????? Zander Insurance???????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????????The Ramsey Show Highlights???????????????????? ? ????????????????????The Dr. John Delony Show???????????????????? ? ????????????????????Smart Money Happy Hour???????????????????? ? ????????????????????The Rachel Cruze Show???????????????????? ? ????????????????????George Kamel???????????????????? ? ????????????????????Front Row Seat with Ken Coleman???????????????????? ? ????????????????????EntreLeadership???????????????????? ????????????????????Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????????Can an online will work for you? Take this quiz to find out!????????? Rachel Cruze and Jade Warshaw answer your questions and discuss: ?I feel swindled by my whole life policy ? I was relying on it for my retirement and I'm lost...? ?Is it worth it to take a loan out to buy a more expensive car?? ?We are $287,000 in debt and we keep blowing through our baby step 1 emergency fund. Should we increase it?? ?I?m going to be laid off in January, what should I do?? ?How do we stop feeling guilty about our plans to buy a home?? ?How do I overcome my mentality of holding on to money instead of paying debt?? ?How do I tell my girlfriend that I lied about my financial situation?? ?Should I stop investing while I am saving for a down payment on a house?? ?Can we withdraw $2k/month so I can stay home with our kids?? ?How do we navigate job loss and a high-risk pregnancy?? ?How do we get out of mobile home hell?? ?Can I quit my job and become a stay-at-home father?? ?Which pension payout should I choose?? ?Should I be paying off my student loans while I?m in college?? Next Steps: ???????????????????????? ?Help us make the show better. Please take this short survey.??????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????????? ?send us an email??????????????????????. ? ?????????Get episodes early in the free Ramsey Network app! ????????? ? ?Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!? ? Get organized and prepared to buy or sell a home. ? ??????????????????????????????Start your free budget today. Download the EveryDollar app!????????????????????????????? ??Protect yourself with trusted insurance coverage that fits your budget Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????????????????????ALDI?????????????????????. Get 10% off your first month of????????????????????? BetterHelp?????????????????????. Go to ?????????????????????Boost Mobile????????????????????? to switch today! Go to??????????? ??????????????????????Casper Sleep??????????? and use promo code RAMSEY to learn more. Learn more about????????????????????? Christian Healthcare Ministries?????????????????????. Get started today with????????????????????? Churchill Mortgage?????????????????????. Get 20% off when you join ?????????????????????DeleteMe?????????????????????. Go to????????????????????? FAIRWINDS Credit Union????????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ??Guardian Litigation Group?? Find top health insurance plans at ?????????????????????Health Trust Financial?????????????????????. Use code RAMSEY to save 20% at ?????????????????????Mama Bear Legal Forms?????????????????????. Visit????????????????????? NetSuite????????????????????? today to learn more. For more information, go to ?????????????????????SimpliSafe?????????????????????. Get started with ?????????????????????YRefy????????????????????? or call 844-2-RAMSEY. Visit????????????????????? Zander Insurance????????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????????The Ramsey Show Highlights?????????????????????? ? ??????????????????????The Dr. John Delony Show?????????????????????? ? ??????????????????????Smart Money Happy Hour?????????????????????? ? ??????????????????????The Rachel Cruze Show?????????????????????? ? ??????????????????????George Kamel?????????????????????? ? ??????????????????????Front Row Seat with Ken Coleman?????????????????????? ? ??????????????????????EntreLeadership?????????????????????? ??????????????????????Ramsey Solutions Privacy Policy?????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????Can an online will work for you? Take this quiz to find out!???????? George Kamel and Jade Warshaw answer your questions and discuss: ?What should I do with my 401(k) after getting laid off?? ?Should I take out a HELOC to help my aunt financially?? ?How do I get out of debt with my income?? ?How do I convince my fiancé to work the baby steps?? ?How do I decide if making a career change is the best thing for my family?s future?? ?What should I do about a car that is underwater and needs repairs?? ?My husband wants to quit his job to drive for Uber again...? ?How do we figure out ownership of a house we bought with my parents?? ?What should I do with my 401(k) after my company is acquired by a larger company?? ?Should we buy a new house or remodel our current home?? ?Should I change my attitude about tithing?? ?How much should I spend on a car?? ?My husband wants to be involved in how money I inherited is handled because we are 'one'..." Next Steps: ??????????????????????? ?Help us make the show better. Please take this short survey.?????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????????? ?send us an email?????????????????????. ? ????????Get episodes early in the free Ramsey Network app! ???????? ? ????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????? ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????????ALDI????????????????????. Get 10% off your first month of???????????????????? BetterHelp????????????????????. Go to ????????????????????Boost Mobile???????????????????? to switch today! Go to?????????? ????????????????????Casper Sleep?????????? and use promo code RAMSEY to learn more. Learn more about???????????????????? Christian Healthcare Ministries????????????????????. Get started today with???????????????????? Churchill Mortgage????????????????????. Get 20% off when you join ????????????????????DeleteMe????????????????????. Go to???????????????????? FAIRWINDS Credit Union???????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ????????????????????Health Trust Financial????????????????????. Use code RAMSEY to save 20% at ????????????????????Mama Bear Legal Forms????????????????????. Visit???????????????????? NetSuite???????????????????? today to learn more. For more information, go to ????????????????????SimpliSafe????????????????????. Get started with ????????????????????YRefy???????????????????? or call 844-2-RAMSEY. Visit???????????????????? Zander Insurance???????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ?????????????????????The Ramsey Show Highlights????????????????????? ? ?????????????????????The Dr. John Delony Show????????????????????? ? ?????????????????????Smart Money Happy Hour????????????????????? ? ?????????????????????The Rachel Cruze Show????????????????????? ? ?????????????????????George Kamel????????????????????? ? ?????????????????????Front Row Seat with Ken Coleman????????????????????? ? ?????????????????????EntreLeadership????????????????????? ?????????????????????Ramsey Solutions Privacy Policy????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????Can an online will work for you? Take this quiz to find out!??????? George Kamel and Jade Warshaw answer your questions and discuss: "Should we sell our new house after a local church opened a homeless shelter across the street?" "How do we stay motivated to pay off debt when being debt-free feels unachievable?" "I'm about to go $500k into debt buying a business and a home at the same time..." "How do I stop living paycheck-to-paycheck?" "Should I use a VA loan to buy a mobile home?" " Can I invest now and worry about my emergency fund later?" Next Steps: ?????????????????????? ?Help us make the show better. Please take this short survey.????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????? ?send us an email????????????????????. ? ???????Get episodes early in the free Ramsey Network app! ??????? ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor ? ???????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????? ? ????Find out where you stand with your money and get a free plan. ??? ? Use our mortgage calculator to see how much house you can afford! Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????????ALDI????????????????????. Get 10% off your first month of???????????????????? BetterHelp????????????????????. Go to ????????????????????Boost Mobile???????????????????? to switch today! Go to?????????? ????????????????????Casper Sleep?????????? and use promo code RAMSEY to learn more. Learn more about???????????????????? Christian Healthcare Ministries????????????????????. Get started today with???????????????????? Churchill Mortgage????????????????????. Get 20% off when you join ????????????????????DeleteMe????????????????????. Go to???????????????????? FAIRWINDS Credit Union???????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ????????????????????Health Trust Financial????????????????????. Use code RAMSEY to save 20% at ????????????????????Mama Bear Legal Forms????????????????????. Visit???????????????????? NetSuite???????????????????? today to learn more. For more information, go to ????????????????????SimpliSafe????????????????????. Get started with ????????????????????YRefy???????????????????? or call 844-2-RAMSEY. Visit???????????????????? Zander Insurance???????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????????The Ramsey Show Highlights???????????????????? ? ????????????????????The Dr. John Delony Show???????????????????? ? ????????????????????Smart Money Happy Hour???????????????????? ? ????????????????????The Rachel Cruze Show???????????????????? ? ????????????????????George Kamel???????????????????? ? ????????????????????Front Row Seat with Ken Coleman???????????????????? ? ????????????????????EntreLeadership???????????????????? ????????????????????Ramsey Solutions Privacy Policy???? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????Can an online will work for you? Take this quiz to find out!??????? Rachel Cruze and George Kamel answer your questions and discuss: "Should I take out a loan to pay off debt in collections?" "How do I convince my husband to quit his church job?" "How do I stop spending so I can reach my financial goals?" "I don't trust the decisions my husband is making in our business..." "How do I tell my parents that I got into my dream school?" "How do I talk to my dad about his retirement plan?" "How do I stop my in-laws from guilting my husband into giving them money?" Next Steps: ?????????????????????? ?Help us make the show better. Please take this short survey.????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????? ?send us an email????????????????????. ? ???????Get episodes early in the free Ramsey Network app! ??????? ? ????Find out where you stand with your money and get a free plan. ??? ? For help with investing, get connected with a SmartVestor Pro. ? ????????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????????ALDI????????????????????. Get 10% off your first month of???????????????????? BetterHelp????????????????????. Go to ????????????????????Boost Mobile???????????????????? to switch today! Go to?????????? ????????????????????Casper Sleep?????????? and use promo code RAMSEY to learn more. Learn more about???????????????????? Christian Healthcare Ministries????????????????????. Get started today with???????????????????? Churchill Mortgage????????????????????. Get 20% off when you join ????????????????????DeleteMe????????????????????. Go to???????????????????? FAIRWINDS Credit Union???????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ????????????????????Health Trust Financial????????????????????. Use code RAMSEY to save 20% at ????????????????????Mama Bear Legal Forms????????????????????. Visit???????????????????? NetSuite???????????????????? today to learn more. For more information, go to ????????????????????SimpliSafe????????????????????. Get started with ????????????????????YRefy???????????????????? or call 844-2-RAMSEY. Visit???????????????????? Zander Insurance???????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????????The Ramsey Show Highlights???????????????????? ? ????????????????????The Dr. John Delony Show???????????????????? ? ????????????????????Smart Money Happy Hour???????????????????? ? ????????????????????The Rachel Cruze Show???????????????????? ? ????????????????????George Kamel???????????????????? ? ????????????????????Front Row Seat with Ken Coleman???????????????????? ? ????????????????????EntreLeadership???????????????????? Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ????????????????????Ramsey Solutions Privacy Policy???? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???????Can an online will work for you? Take this quiz to find out!??????? George Kamel and Rachel Cruze answer your questions and discuss: "Am I ok to use credit cards as long as I pay them off every month?" "Should I focus on paying down debt or saving if I will be without a job for about a year and a half?" "Should my girlfriend and I get an apartment together?" "Should I be investing in a 529 or mutual funds for my kids?" "I have $30,000 in debt, how do I go about paying this off?" "My family doesn?t think it is a good idea to rent out my main home and live in the loft apartment. Why shouldn?t I?". Next Steps: ?????????????????????? ?Help us make the show better. Please take this short survey.????????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????????? ?send us an email????????????????????. ? Get episodes early in the free Ramsey Network app!  ? ???????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????? ? ????Find out where you stand with your money and get a free plan. ??? ???? Open Enrollment is here?get free help from a RamseyTrusted health advisor! Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????????ALDI????????????????????. Get 10% off your first month of???????????????????? BetterHelp????????????????????. Go to ????????????????????Boost Mobile???????????????????? to switch today! Go to?????????? ????????????????????Casper Sleep?????????? and use promo code RAMSEY to learn more. Learn more about???????????????????? Christian Healthcare Ministries????????????????????. Get started today with???????????????????? Churchill Mortgage????????????????????. Get 20% off when you join ????????????????????DeleteMe????????????????????. Go to???????????????????? FAIRWINDS Credit Union???????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at ?Guardian Litigation Group? Find top health insurance plans at ????????????????????Health Trust Financial????????????????????. Use code RAMSEY to save 20% at ????????????????????Mama Bear Legal Forms????????????????????. Visit???????????????????? NetSuite???????????????????? today to learn more. For more information, go to ????????????????????SimpliSafe????????????????????. Get started with ????????????????????YRefy???????????????????? or call 844-2-RAMSEY. Visit???????????????????? Zander Insurance???????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????????The Ramsey Show Highlights???????????????????? ? ????????????????????The Dr. John Delony Show???????????????????? ? ????????????????????Smart Money Happy Hour???????????????????? ? ????????????????????The Rachel Cruze Show???????????????????? ? ????????????????????George Kamel???????????????????? ? ????????????????????Front Row Seat with Ken Coleman???????????????????? ? ????????????????????EntreLeadership???????????????????? ????????????????????Ramsey Solutions Privacy Policy???? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??????Can an online will work for you? Take this quiz to find out!?????? Jade Warshaw and Rachel Cruze answer your questions and discuss: "I'm in $60,000 of debt, how do I pay it off?" "The government shutdown is effecting my husband's paychecks, should we jump to Baby Step 3?" "Should I pay off my student loan debt before I buy my house?" "I was able to get out of debt while still enjoying my lifestyle, did I complete Baby Step 2 correctly? "Is "house hacking" a good idea?". ?How can I feel blessed by my husband?s gift giving when it comes from our finances?? ?How much life insurance should we have on our kids?? ?Should we use the money we set aside for taxes to pay off debt?? ?How do I get out of over $30,000 of debt?? "We just got married and are in over $40,000 of debt." "How should we approach paying this off?" ?Does it make sense to keep our more expensive health insurance so that we can access our HSA investment options?? "My husband doesn?t make much money, how can I inspire him to get a higher paying job?" ?How do couples merge their finances when they disagree on how money should be allocated?? ?How much should I spend on a car?? ?I paid for my sister?s house. How should we title the home to protect ourselves in case something happens to her?? ?Should I keep hustling or slow down to spend time with my family?? Next Steps: ????????????????????? ?Help us make the show better. Please take this short survey.???????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????? ?send us an email???????????????????. ? ??????Get episodes early in the free Ramsey Network app! ?????? ? Get organized and prepared to buy or sell a home. ? ??????????????????????????Start your free budget today. Download the EveryDollar app!????????????????????????? ? ???Find out where you stand with your money and get a free plan. ?? Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????????????????ALDI???????????????????. Get 10% off your first month of??????????????????? BetterHelp???????????????????. Go to ???????????????????Boost Mobile??????????????????? to switch today! Go to????????? ??????????????????Casper Sleep????????? and use promo code RAMSEY to learn more. Learn more about??????????????????? Christian Healthcare Ministries???????????????????. Get started today with??????????????????? Churchill Mortgage???????????????????. Get 20% off when you join ???????????????????DeleteMe???????????????????. Go to??????????????????? FAIRWINDS Credit Union??????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at ???????????????????Health Trust Financial???????????????????. Use code RAMSEY to save 20% at ???????????????????Mama Bear Legal Forms???????????????????. Visit??????????????????? NetSuite??????????????????? today to learn more. For more information, go to ???????????????????SimpliSafe???????????????????. Get started with ???????????????????YRefy??????????????????? or call 844-2-RAMSEY. Visit??????????????????? Zander Insurance??????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????????The Ramsey Show Highlights??????????????????? ? ???????????????????The Dr. John Delony Show??????????????????? ? ???????????????????Smart Money Happy Hour??????????????????? ? ???????????????????The Rachel Cruze Show??????????????????? ? ???????????????????George Kamel??????????????????? ? ???????????????????Front Row Seat with Ken Coleman??????????????????? ? ???????????????????EntreLeadership??????????????????? ???????????????????Ramsey Solutions Privacy Policy??? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????Can an online will work for you? Take this quiz to find out!????? George Kamel and Ken Coleman answer your questions and discuss: ?How do I turn my life around and be financially successful?? ?How do I balance providing for my family and being present?? ?How much should I be putting aside for Christmas?? ?We are $86,000 in debt. How can we pay all this off quickly?? ?How can I earn passive income while I am in college?? ?How do I handle siblings who won?t pay their share of our cell phone plan?? ?How do we combine finances after we get married?? ?Are classic muscle cars as good of an investment as a home?? ?Do college students have less of a chance of becoming successful today than in prior generations?? ?How do we pay credit card minimums and still afford basic food & utilities?? Next Steps: ???????????????????? ?Help us make the show better. Please take this short survey.??????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????? ?send us an email??????????????????. ? ?????Get episodes early in the free Ramsey Network app! ????? ? ?Find out where you stand with your money and get a free plan. ? ? For help with investing, get connected with a SmartVestor Pro. ? ????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????? ?? Build A Stronger Marriage at the Money & Marriage Getaway Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????ALDI??????????????????. Get 10% off your first month of?????????????????? BetterHelp??????????????????. Go to ??????????????????Boost Mobile?????????????????? to switch today! Go to???????? ????????????????Casper Sleep???????? and use promo code RAMSEY to learn more. Learn more about?????????????????? Christian Healthcare Ministries??????????????????. Get started today with?????????????????? Churchill Mortgage??????????????????. Get 20% off when you join ??????????????????DeleteMe??????????????????. Go to?????????????????? FAIRWINDS Credit Union?????????????????? for an exclusive account bundle! Find top health insurance plans at ??????????????????Health Trust Financial??????????????????. Use code RAMSEY to save 20% at ??????????????????Mama Bear Legal Forms??????????????????. Visit?????????????????? NetSuite?????????????????? today to learn more. For more information, go to ??????????????????SimpliSafe??????????????????. Get started with ??????????????????YRefy?????????????????? or call 844-2-RAMSEY. Visit?????????????????? Zander Insurance?????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????The Ramsey Show Highlights?????????????????? ? ??????????????????The Dr. John Delony Show?????????????????? ? ??????????????????Smart Money Happy Hour?????????????????? ? ??????????????????The Rachel Cruze Show?????????????????? ? ??????????????????George Kamel?????????????????? ? ??????????????????Front Row Seat with Ken Coleman?????????????????? ? ??????????????????EntreLeadership?????????????????? Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ??????????????????Ramsey Solutions Privacy Policy? Learn more about your ad choices. Visit megaphone.fm/adchoices

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  A Proven Plan for Financial Success | RamseySolutions.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

?? Sign up to know where The Ramsey Show LIVE goes next! ? Start eliminating debt for free with EveryDollar The Ramsey Show hits the road! ?? George Kamel, Rachel Cruze, and Ken Coleman are live from Chicago with a packed house and powerful conversations about money, careers, and relationships. Next Steps: ????????????????????? ?Help us make the show better. Please take this short survey.???????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????????? ?send us an email???????????????????. ? ???????????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????????????????ALDI???????????????????. Get 10% off your first month of??????????????????? BetterHelp???????????????????. Go to ???????????????????Boost Mobile??????????????????? to switch today! Go to????????? ??????????????????Casper Sleep????????? and use promo code RAMSEY to learn more. Learn more about??????????????????? Christian Healthcare Ministries???????????????????. Get started today with??????????????????? Churchill Mortgage???????????????????. Get 20% off when you join ???????????????????DeleteMe???????????????????. Go to??????????????????? FAIRWINDS Credit Union??????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at ???????????????????Health Trust Financial???????????????????. Use code RAMSEY to save 20% at ???????????????????Mama Bear Legal Forms???????????????????. Visit??????????????????? NetSuite??????????????????? today to learn more. For more information, go to ???????????????????SimpliSafe???????????????????. Get started with ???????????????????YRefy??????????????????? or call 844-2-RAMSEY. Visit??????????????????? Zander Insurance??????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????????The Ramsey Show Highlights??????????????????? ? ???????????????????The Dr. John Delony Show??????????????????? ? ???????????????????Smart Money Happy Hour??????????????????? ? ???????????????????The Rachel Cruze Show??????????????????? ? ???????????????????George Kamel??????????????????? ? ???????????????????Front Row Seat with Ken Coleman??????????????????? ? ???????????????????EntreLeadership??????????????????? ???????????????????Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????Can an online will work for you? Take this quiz to find out!????? Dave Ramsey and Ken Coleman answer your questions and discuss: "Can we stop my mother-in-law from using my husband's name on her investment accounts?" "I can't afford minimum payments on my debt after buying a house..." "Should I pay off a low-interest car loan or should I sell?" "Should I pull from my brokerage account to pay off my house?" "Should I include the car note I cosigned for in my debt snowball?" "What order should I pay off my debts?" Next Steps: ???????????????????? ?Help us make the show better. Please take this short survey.??????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????? ?send us an email??????????????????. ? ?????Get episodes early in the free Ramsey Network app! ????? ? ??????????????????????????Start your free budget today. Download the EveryDollar app!????????????????????????? ??? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year!? ?? ??Get trusted insurance coverage that fits your budget.? Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????ALDI??????????????????. Get 10% off your first month of?????????????????? BetterHelp??????????????????. Go to ??????????????????Boost Mobile?????????????????? to switch today! Go to???????? ????????????????Casper Sleep???????? and use promo code RAMSEY to learn more. Learn more about?????????????????? Christian Healthcare Ministries??????????????????. Get started today with?????????????????? Churchill Mortgage??????????????????. Get 20% off when you join ??????????????????DeleteMe??????????????????. Go to?????????????????? FAIRWINDS Credit Union?????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at ??????????????????Health Trust Financial??????????????????. Use code RAMSEY to save 20% at ??????????????????Mama Bear Legal Forms??????????????????. Visit?????????????????? NetSuite?????????????????? today to learn more. For more information, go to ??????????????????SimpliSafe??????????????????. Get started with ??????????????????YRefy?????????????????? or call 844-2-RAMSEY. Visit?????????????????? Zander Insurance?????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????The Ramsey Show Highlights?????????????????? ? ??????????????????The Dr. John Delony Show?????????????????? ? ??????????????????Smart Money Happy Hour?????????????????? ? ??????????????????The Rachel Cruze Show?????????????????? ? ??????????????????George Kamel?????????????????? ? ??????????????????Front Row Seat with Ken Coleman?????????????????? ? ??????????????????EntreLeadership?????????????????? ??????????????????Ramsey Solutions Privacy Policy?? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????Can an online will work for you? Take this quiz to find out!????? Rachel Cruze and Jade Warshaw answer your questions and discuss: "Should I pay my parents what their house is worth after they sold it to me for $1?" "Should I convert my HELOC into a 15-year mortgage? We can't seem to make any progress on paying it off..." "My friend claims to follow the Baby Steps but keeps doing stupid stuff with money. Should I say something?" "How much does my husband need to make for me to become a stay-at-home mom?" "How can I help my husband with his debt while still protecting my assets?" "After our divorce, my ex defaulted on our debt. Should I quit my job so I can qualify for bankruptcy?" Next Steps: ???????????????????? ?Help us make the show better. Please take this short survey.??????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????? ?send us an email??????????????????. ? ?????Get episodes early in the free Ramsey Network app! ????? ? ?????????????????????????Start your free budget today. Download the EveryDollar app!???????????????????????? ?? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year! ? ??Find out where you stand with your money and get a free plan. ? ? Find a Ramsey Trusted Real Estate Agent Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????ALDI??????????????????. Get 10% off your first month of?????????????????? BetterHelp??????????????????. Go to ??????????????????Boost Mobile?????????????????? to switch today! Go to???????? ????????????????Casper Sleep???????? and use promo code RAMSEY to learn more. Learn more about?????????????????? Christian Healthcare Ministries??????????????????. Get started today with?????????????????? Churchill Mortgage??????????????????. Get 20% off when you join ??????????????????DeleteMe??????????????????. Go to?????????????????? FAIRWINDS Credit Union?????????????????? for an exclusive account bundle! Find top health insurance plans at ??????????????????Health Trust Financial??????????????????. Use code RAMSEY to save 20% at ??????????????????Mama Bear Legal Forms??????????????????. Visit?????????????????? NetSuite?????????????????? today to learn more. For more information, go to ??????????????????SimpliSafe??????????????????. Get started with ??????????????????YRefy?????????????????? or call 844-2-RAMSEY. Visit?????????????????? Zander Insurance?????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????The Ramsey Show Highlights?????????????????? ? ??????????????????The Dr. John Delony Show?????????????????? ? ??????????????????Smart Money Happy Hour?????????????????? ? ??????????????????The Rachel Cruze Show?????????????????? ? ??????????????????George Kamel?????????????????? ? ??????????????????Front Row Seat with Ken Coleman?????????????????? ? ??????????????????EntreLeadership?????????????????? ??????????????????Ramsey Solutions Privacy Policy?? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ?????Can an online will work for you? Take this quiz to find out!????? Dave Ramsey and George Kamel answer your questions and discuss: "My fiancée wants to take on $200,000 in school debt right before we get married..." "How can I stop my girlfriend's mom from micromanaging our relationship?" "Should my son be leaving the house at 21 years-old?" "What should we prioritize, our business debt or our personal debt?" "Should I be helping my mom pay off her debt when I have my own?" "How do I plan my finances for a divorce?" "Should I buy a Ford Bronco or invest the $50,000?" Next Steps: ???????????????????? ?Help us make the show better. Please take this short survey.??????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or?????????????????? ?send us an email??????????????????. ? ?????Get episodes early in the free Ramsey Network app! ????? ? Get organized and prepared to buy or sell a home. ? ????????????????????????Start your free budget today. Download the EveryDollar app!??????????????????????? ??? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year! ?Free Tools & Resources to Help You With Investing and Retirement Connect With Our Sponsors: Stop paying more and start shopping smarter at ??????????????????ALDI??????????????????. Get 10% off your first month of?????????????????? BetterHelp??????????????????. Go to ??????????????????Boost Mobile?????????????????? to switch today! Go to???????? ????????????????Casper Sleep???????? and use promo code RAMSEY to learn more. Learn more about?????????????????? Christian Healthcare Ministries??????????????????. Get started today with?????????????????? Churchill Mortgage??????????????????. Get 20% off when you join ??????????????????DeleteMe??????????????????. Go to?????????????????? FAIRWINDS Credit Union?????????????????? for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group. Find top health insurance plans at ??????????????????Health Trust Financial??????????????????. Use code RAMSEY to save 20% at ??????????????????Mama Bear Legal Forms??????????????????. Visit?????????????????? NetSuite?????????????????? today to learn more. For more information, go to ??????????????????SimpliSafe??????????????????. Get started with ??????????????????YRefy?????????????????? or call 844-2-RAMSEY. Visit?????????????????? Zander Insurance?????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ??????????????????The Ramsey Show Highlights?????????????????? ? ??????????????????The Dr. John Delony Show?????????????????? ? ??????????????????Smart Money Happy Hour?????????????????? ? ??????????????????The Rachel Cruze Show?????????????????? ? ??????????????????George Kamel?????????????????? ? ??????????????????Front Row Seat with Ken Coleman?????????????????? ? ??????????????????EntreLeadership?????????????????? ??????????????????Ramsey Solutions Privacy Policy?? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????Can an online will work for you? Take this quiz to find out!???? Dave Ramsey and Jade Warshaw answer your questions and discuss: ?I?m paying $500 a month for my leased HVAC system. Should I pay it off before I pay off my house?? ?How do I convince my husband not to pay his dad?s property taxes every year?? ?We are looking to buy our first home, what are some extra costs and inspections that we should be looking out for?? ?How can we pay off debt when our daughter?s monthly tuition takes everything?? ?My new husband keeps his finances hidden from me and I?m afraid what I will find out if we combine our accounts...? ?We just inherited $1.3 million. What?s the best way to liquidate some of these assets?? ?I?m in $85,000 of debt and I?m drowning in payments. How do I get rid of this mess?? ?How do we get out of a financial hole when we?ve cut everything we can from our budget?? ?Are we making a mistake by moving to another state if I lose my income and we only have my husband?s salary to rely on?? ?How did you navigate the marriages of your children when it came to estate planning?? Next Steps: ??????????????????? ?Help us make the show better. Please take this short survey.?????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????????? ?send us an email?????????????????. ? ????Get episodes early in the free Ramsey Network app! ???? ? Find out where you stand with your money and get a free plan. ?? Get trusted insurance coverage that fits your budget. ? ???????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????????????????ALDI?????????????????. Get 10% off your first month of????????????????? BetterHelp?????????????????. Go to ?????????????????Boost Mobile????????????????? to switch today! Go to??????? ??????????????Casper Sleep??????? and use promo code RAMSEY to learn more. Learn more about????????????????? Christian Healthcare Ministries?????????????????. Get started today with????????????????? Churchill Mortgage?????????????????. Get 20% off when you join ?????????????????DeleteMe?????????????????. Go to????????????????? FAIRWINDS Credit Union????????????????? for an exclusive account bundle! Find top health insurance plans at ?????????????????Health Trust Financial?????????????????. Use code RAMSEY to save 20% at ?????????????????Mama Bear Legal Forms?????????????????. Visit????????????????? NetSuite????????????????? today to learn more. For more information, go to ?????????????????SimpliSafe?????????????????. Get started with ?????????????????YRefy????????????????? or call 844-2-RAMSEY. Visit????????????????? Zander Insurance????????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ?????????????????The Ramsey Show Highlights????????????????? ? ?????????????????The Dr. John Delony Show????????????????? ? ?????????????????Smart Money Happy Hour????????????????? ? ?????????????????The Rachel Cruze Show????????????????? ? ?????????????????George Kamel????????????????? ? ?????????????????Front Row Seat with Ken Coleman????????????????? ? ?????????????????EntreLeadership????????????????? ?????????????????Ramsey Solutions Privacy Policy?? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???Can an online will work for you? Take this quiz to find out!??? George Kamel and Dr. John Delony answer your questions and discuss: "How do we stop my fiancée's mother from stealing her student loans?" "Why should I pay cash for a car when I could invest the money and earn a better return?" "My ex-wife was ordered to pay half of our back taxes three years ago but she still hasn?t paid" "How do I choose which debt to pay off first when they are all similar amounts?" "Should we pay ourselves a salary from our new business to pay off debt?" "How can I get my adult kids to contribute for household expenses?" "Should we downsize our home so that we can pay it off quickly?". Next Steps: ?????????????????? ?Help us make the show better. Please take this short survey.????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????? ?send us an email????????????????. ? ???Get episodes early in the free Ramsey Network app! ??? ? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year! ? Get organized and prepared to buy or sell a home. ? ??????????????????????Start your free budget today. Download the EveryDollar app!????????????????????? ?Free Tools & Resources to Help You With Investing and Retirement Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????ALDI????????????????. Get 10% off your first month of???????????????? BetterHelp????????????????. Go to ????????????????Boost Mobile???????????????? to switch today! Go to?????? ????????????Casper Sleep?????? and use promo code RAMSEY to learn more. Learn more about???????????????? Christian Healthcare Ministries????????????????. Get started today with???????????????? Churchill Mortgage????????????????. Get 20% off when you join ????????????????DeleteMe????????????????. Go to???????????????? FAIRWINDS Credit Union???????????????? for an exclusive account bundle! Find top health insurance plans at ????????????????Health Trust Financial????????????????. Use code RAMSEY to save 20% at ????????????????Mama Bear Legal Forms????????????????. Visit???????????????? NetSuite???????????????? today to learn more. For more information, go to ????????????????SimpliSafe????????????????. Get started with ????????????????YRefy???????????????? or call 844-2-RAMSEY. Visit???????????????? Zander Insurance???????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????The Ramsey Show Highlights???????????????? ? ????????????????The Dr. John Delony Show???????????????? ? ????????????????Smart Money Happy Hour???????????????? ? ????????????????The Rachel Cruze Show???????????????? ? ????????????????George Kamel???????????????? ? ????????????????Front Row Seat with Ken Coleman???????????????? ? ????????????????EntreLeadership???????????????? ????????????????Ramsey Solutions Privacy Policy?? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???Can an online will work for you? Take this quiz to find out!??? Jade Warshaw and Dr. John Delony answer your questions and discuss: "Should we accept money from my in-laws?" "I can't pay my bills, should I file bankruptcy?" "When can we open "fun" accounts while working the Baby Steps?" "How do I build my credit score without debt?" "Is using a line of credit a good way to pay off a house faster?" "When in the Baby Steps do we start saving for adoption?" Next Steps: ?????????????????? ?Help us make the show better. Please take this short survey.????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????? ?send us an email????????????????. ? ???Get episodes early in the free Ramsey Network app! ??? ? ???????????????????????Start your free budget today. Download the EveryDollar app!?????????????????????? ? ????Find out where you stand with your money and get a free plan.???? ? Find a Ramsey Trusted Real Estate Agent ? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year! Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????ALDI????????????????. Get 10% off your first month of???????????????? BetterHelp????????????????. Go to ????????????????Boost Mobile???????????????? to switch today! Go to?????? ????????????Casper Sleep?????? and use promo code RAMSEY to learn more. Learn more about???????????????? Christian Healthcare Ministries????????????????. Get started today with???????????????? Churchill Mortgage????????????????. Get 20% off when you join ????????????????DeleteMe????????????????. Go to???????????????? FAIRWINDS Credit Union???????????????? for an exclusive account bundle! Find top health insurance plans at ????????????????Health Trust Financial????????????????. Use code RAMSEY to save 20% at ????????????????Mama Bear Legal Forms????????????????. Visit???????????????? NetSuite???????????????? today to learn more. For more information, go to ????????????????SimpliSafe????????????????. Get started with ????????????????YRefy???????????????? or call 844-2-RAMSEY. Visit???????????????? Zander Insurance???????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????The Ramsey Show Highlights???????????????? ? ????????????????The Dr. John Delony Show???????????????? ? ????????????????Smart Money Happy Hour???????????????? ? ????????????????The Rachel Cruze Show???????????????? ? ????????????????George Kamel???????????????? ? ????????????????Front Row Seat with Ken Coleman???????????????? ? ????????????????EntreLeadership???????????????? ????????????????Ramsey Solutions Privacy Policy?? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ???Can an online will work for you? Take this quiz to find out!??? Ken Coleman and George Kamel answer your questions and discuss: "I owe $8,000 in collections and $4,000 to the IRS, how should I tackle this?" "How much should I spend on a new truck?" "My husband and I don't agree on how to budget..." "Would it be better to refinance or recast our mortgage?" "My husband works two jobs. Can he leave one so that he can spend more time with the family?" "Is it a good idea to retire early?" "When is the right time to buy a house with my boyfriend?" Next Steps: ?????????????????? ?Help us make the show better. Please take this short survey.????????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????????? ?send us an email????????????????. ? ???Get episodes early in the free Ramsey Network app! ??? ???For help with investing, get connected with a SmartVestor Pro. ? ??????????????????????Start your free budget today. Download the EveryDollar app!????????????????????? ? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year! Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????????ALDI????????????????. Get 10% off your first month of???????????????? BetterHelp????????????????. Go to ????????????????Boost Mobile???????????????? to switch today! Go to?????? ????????????Casper Sleep?????? and use promo code RAMSEY to learn more. Learn more about???????????????? Christian Healthcare Ministries????????????????. Get started today with???????????????? Churchill Mortgage????????????????. Get 20% off when you join ????????????????DeleteMe????????????????. Go to???????????????? FAIRWINDS Credit Union???????????????? for an exclusive account bundle! Find top health insurance plans at ????????????????Health Trust Financial????????????????. Use code RAMSEY to save 20% at ????????????????Mama Bear Legal Forms????????????????. Visit???????????????? NetSuite???????????????? today to learn more. For more information, go to ????????????????SimpliSafe????????????????. Get started with ????????????????YRefy???????????????? or call 844-2-RAMSEY. Visit???????????????? Zander Insurance???????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????????The Ramsey Show Highlights???????????????? ? ????????????????The Dr. John Delony Show???????????????? ? ????????????????Smart Money Happy Hour???????????????? ? ????????????????The Rachel Cruze Show???????????????? ? ????????????????George Kamel???????????????? ? ????????????????Front Row Seat with Ken Coleman???????????????? ? ????????????????EntreLeadership???????????????? Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ????????????????Ramsey Solutions Privacy Policy? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ??Can an online will work for you? Take this quiz to find out!?? Dave Ramsey and Ken Coleman answer your questions and discuss: "My girlfriend doesn't want to marry me until I pay off all my debt..." "My husband and sister disagree on how to split the proceeds from the sale of family property. How do we navigate this?" "Should we slow down on Baby Step 2 while the government is shutdown?" "How do I avoid paying taxes on an inherited IRA?" "My wife keeps telling me how to run my business. Am I wrong for wanting to run the business I built my way?" Next Steps: ????????????????? ?Help us make the show better. Please take this short survey.???????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or??????????????? ?send us an email???????????????. ? ??Get episodes early in the free Ramsey Network app! ?? ? ???Find out where you stand with your money and get a free plan.??? ?????Get trusted insurance coverage that fits your budget ??? ? ?????????????????????Start your free budget today. Download the EveryDollar app!???????????????????? ?Free Tools & Resources to Help You With Investing and Retirement Connect With Our Sponsors: Stop paying more and start shopping smarter at ???????????????ALDI???????????????. Get 10% off your first month of??????????????? BetterHelp???????????????. Go to ???????????????Boost Mobile??????????????? to switch today! Go to????? ??????????Casper Sleep????? and use promo code RAMSEY to learn more. Learn more about??????????????? Christian Healthcare Ministries???????????????. Get started today with??????????????? Churchill Mortgage???????????????. Get 20% off when you join ???????????????DeleteMe???????????????. Go to??????????????? FAIRWINDS Credit Union??????????????? for an exclusive account bundle! Find top health insurance plans at ???????????????Health Trust Financial???????????????. Use code RAMSEY to save 20% at ???????????????Mama Bear Legal Forms???????????????. Visit??????????????? NetSuite??????????????? today to learn more. For more information, go to ???????????????SimpliSafe???????????????. Get started with ???????????????YRefy??????????????? or call 844-2-RAMSEY. Visit??????????????? Zander Insurance??????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ???????????????The Ramsey Show Highlights??????????????? ? ???????????????The Dr. John Delony Show??????????????? ? ???????????????Smart Money Happy Hour??????????????? ? ???????????????The Rachel Cruze Show??????????????? ? ???????????????George Kamel??????????????? ? ???????????????Front Row Seat with Ken Coleman??????????????? ? ???????????????EntreLeadership??????????????? ???????????????Ramsey Solutions Privacy Policy? Learn more about your ad choices. Visit megaphone.fm/adchoices

? Can an online will work for you? Take this quiz to find out! Dave Ramsey and George Kamel answer your questions and discuss: "I'm $15,000 in debt with nothing in savings. I lost my job today, where do I go from here?" "Should we buy a house that's going to put us over budget by $1,000 every month?" "I just graduated and got my first job, how do I start saving and investing?" "How do I help my dad with his finances? He has $175,000 missing from his accounts" "We paid off our mortgage and my wife wants to upgrade our house. Am I being stingy for not wanting another mortgage?" "Why shouldn't we keep using credit cards if we are able to consistently take advantage of the points and cash back?" "We have $104,000 of debt, should we sell our car? Should my wife go back to work to speed up Baby Step 2?". Next Steps: ??????????????? ?Help us make the show better. Please take this short survey.?????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or????????????? ?send us an email?????????????. ? Get episodes early in the free Ramsey Network app!  ? ?Find out where you stand with your money and get a free plan.? ???Get trusted insurance coverage that fits your budget ? ? ???????????????????Start your free budget today. Download the EveryDollar app!?????????????????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ?????????????ALDI?????????????. Get 10% off your first month of????????????? BetterHelp?????????????. Go to ?????????????Boost Mobile????????????? to switch today! Go to??? ??????Casper Sleep??? and use promo code RAMSEY to learn more. Learn more about????????????? Christian Healthcare Ministries?????????????. Get started today with????????????? Churchill Mortgage?????????????. Get 20% off when you join ?????????????DeleteMe?????????????. Go to????????????? FAIRWINDS Credit Union????????????? for an exclusive account bundle! Find top health insurance plans at ?????????????Health Trust Financial?????????????. Use code RAMSEY to save 20% at ?????????????Mama Bear Legal Forms?????????????. Visit????????????? NetSuite????????????? today to learn more. For more information, go to ?????????????SimpliSafe?????????????. Get started with ?????????????YRefy????????????? or call 844-2-RAMSEY. Visit????????????? Zander Insurance????????????? for your free instant quote today!  Explore more from Ramsey Network: ? ?????????????The Ramsey Show Highlights????????????? ? ?????????????The Dr. John Delony Show????????????? ? ?????????????Smart Money Happy Hour????????????? ? ?????????????The Rachel Cruze Show????????????? ? ?????????????George Kamel????????????? ? ?????????????Front Row Seat with Ken Coleman????????????? ? ?????????????EntreLeadership????????????? ?????????????Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????????????????????????Think you?re good with money? Take our Money in America quiz!????????? Ken Coleman and Jade Warshaw answer your questions and discuss: ?How do we get out of the financial mess we're in?? ?How do I get rid of my car debt?? ?How do I stay motivated while paying off $184k of debt?? ?Should I keep my credit cards to maintain my credit score?? ?How do I handle a divorce settlement while in the baby steps?? ?I?m drowning in debt and don?t know what to do?? ?Should my daughter ask for reimbursement for job interview travel?? ?Can we build our savings instead of paying off debt?? ?Should I use my savings to pay off 0% interest? ? ?The motor blew up in my truck and it?s going to cost $15,000 to fix. What should I do?? ?We can?t make any progress on our debt...? ?Where should I be investing?? ?I?m struggling to give $900 to a friend...? Next Steps: ?????????????? ?Help us make the show better. Please take this short survey.????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????? ?send us an email????????????. ? ????Get episodes early in the free Ramsey Network app! ???? ? Find out where you stand with your money and get a free plan. ??Get trusted insurance coverage that fits your budget ? ??????????????????Start your free budget today. Download the EveryDollar app!????????????????? Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????ALDI????????????. Get 10% off your first month of???????????? BetterHelp????????????. Go to ????????????Boost Mobile???????????? to switch today! Go to?? ????Casper Sleep?? and use promo code RAMSEY to learn more. Learn more about???????????? Christian Healthcare Ministries????????????. Get started today with???????????? Churchill Mortgage????????????. Get 20% off when you join ????????????DeleteMe????????????. Go to???????????? FAIRWINDS Credit Union???????????? for an exclusive account bundle! Find top health insurance plans at ????????????Health Trust Financial????????????. Use code RAMSEY to save 20% at ????????????Mama Bear Legal Forms????????????. Visit???????????? NetSuite???????????? today to learn more. For more information, go to ????????????SimpliSafe????????????. Get started with ????????????YRefy???????????? or call 844-2-RAMSEY. Visit???????????? Zander Insurance???????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????The Ramsey Show Highlights???????????? ? ????????????The Dr. John Delony Show???????????? ? ????????????Smart Money Happy Hour???????????? ? ????????????The Rachel Cruze Show???????????? ? ????????????George Kamel???????????? ? ????????????Front Row Seat with Ken Coleman???????????? ? ????????????EntreLeadership???????????? ????????????Ramsey Solutions Privacy Policy????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????????????????????????Think you?re good with money? Take our Money in America quiz!????????? Dave Ramsey and Rachel Cruze answer your questions and discuss: "As a single mom, what is the best way to get rid of a day care debt that is past due?" "My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?" "We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?" "I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?" "As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?" "How do you pay off your credit cards when the minimums are half my take-home pay?" Next Steps: ?????????????? ?Help us make the show better. Please take this short survey.????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????? ?send us an email????????????. ? ????Get episodes early in the free Ramsey Network app! ?????????????? ? ??????????????????Start your free budget today. Download the EveryDollar app!????????????????? ? ????Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year!???? ? Get organized and prepared to buy or sell a home. ??Get trusted insurance coverage that fits your budget ? Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry?they sell out every year! Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????ALDI????????????. Get 10% off your first month of???????????? BetterHelp????????????. Go to ????????????Boost Mobile???????????? to switch today! Go to?? ????Casper Sleep?? and use promo code RAMSEY to learn more. Learn more about???????????? Christian Healthcare Ministries????????????. Get started today with???????????? Churchill Mortgage????????????. Get 20% off when you join ????????????DeleteMe????????????. Go to???????????? FAIRWINDS Credit Union???????????? for an exclusive account bundle! Find top health insurance plans at ????????????Health Trust Financial????????????. Use code RAMSEY to save 20% at ????????????Mama Bear Legal Forms????????????. Visit???????????? NetSuite???????????? today to learn more. For more information, go to ????????????SimpliSafe????????????. Get started with ????????????YRefy???????????? or call 844-2-RAMSEY. Visit???????????? Zander Insurance???????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????The Ramsey Show Highlights???????????? ? ????????????The Dr. John Delony Show???????????? ? ????????????Smart Money Happy Hour???????????? ? ????????????The Rachel Cruze Show???????????? ? ????????????George Kamel???????????? ? ????????????Front Row Seat with Ken Coleman???????????? ? ????????????EntreLeadership???????????? ????????????Ramsey Solutions Privacy Policy????? Learn more about your ad choices. Visit megaphone.fm/adchoices

? ????????????????????????????Think you?re good with money? Take our Money in America quiz!????????? Dave Ramsey and Dr. John Delony answer your questions and discuss: "Should I keep cash at my house?" "Should we live close to our parents for a low monthly rent or move further away?" "Should my partner take out a HELOC on our house to pay me his part of our down payment?" "Our insurance didn't pay us after a natural disaster destroyed our home. How do we start over?" Next Steps: ?????????????? ?Help us make the show better. Please take this short survey.????????????? ? Have a question for the show? Call 888-825-5225 weekdays from 2?5 p.m. ET or???????????? ?send us an email????????????. ? ????Get episodes early in the free Ramsey Network app! ?????????????? ? Get trusted insurance coverage that fits your budget. ? ??????????????????Start your free budget today. Download the EveryDollar app!????????????????? ? Find out where you stand with your money and get a free plan. Connect With Our Sponsors: Stop paying more and start shopping smarter at ????????????ALDI????????????. Get 10% off your first month of???????????? BetterHelp????????????. Go to ????????????Boost Mobile???????????? to switch today! Go to?? ????Casper Sleep?? and use promo code RAMSEY to learn more. Learn more about???????????? Christian Healthcare Ministries????????????. Get started today with???????????? Churchill Mortgage????????????. Get 20% off when you join ????????????DeleteMe????????????. Go to???????????? FAIRWINDS Credit Union???????????? for an exclusive account bundle! Find top health insurance plans at ????????????Health Trust Financial????????????. Use code RAMSEY to save 20% at ????????????Mama Bear Legal Forms????????????. Visit???????????? NetSuite???????????? today to learn more. For more information, go to ????????????SimpliSafe????????????. Get started with ????????????YRefy???????????? or call 844-2-RAMSEY. Visit???????????? Zander Insurance???????????? for your free instant quote today!  Explore more from Ramsey Network: ? ????????????The Ramsey Show Highlights???????????? ? ????????????The Dr. John Delony Show???????????? ? ????????????Smart Money Happy Hour???????????? ? ????????????The Rachel Cruze Show???????????? ? ????????????George Kamel???????????? ? ????????????Front Row Seat with Ken Coleman???????????? ? ????????????EntreLeadership???????????? ????????????Ramsey Solutions Privacy Policy????? Learn more about your ad choices. Visit megaphone.fm/adchoices