? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app. ?? Watch United States of Anxiety exclusively on the free Ramsey Network app!  While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas! John Delony & Jade Warshaw answer your questions and discuss: ?Should I talk to my wife's toxic boss?' 'Is it OK to accept $1M from my in-laws?? ?My mom lied about paying my student loans.? ?I blew $50K after leaving an abusive relationship.' ?My mom is boycotting my wedding rehearsal? 'Our house was destroyed by a tornado' Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? See Dave and John LIVE in a city near you! ?? Invest in Your Future With a SmartVestor Pro ? Take control of your money in 2025! Register for the free livestream. ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app. ?? Watch United States of Anxiety exclusively on the free Ramsey Network app!  While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas! Dave Ramsey & Rachel Cruze answer your questions and discuss: ?Father-in-law is selling us whole life insurance? 'Brother isn't buying us out of an inherited home? ?Open a food truck or a brick and mortar?? ?My wife & I don't share the same views financially' ?Am I hurting my family's financial future?? 'Will I even be able to become debt free?' Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take control of your money in 2025! Register for the free livestream. ?? Get $100 Off Money & Marriage Getaway with code CHRISTMAS. ? Start your free budget today. Download the EveryDollar app! ? For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!  While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas! Dave Ramsey & Ken Coleman answer your questions and discuss: ?I haven't filed taxes since 2020? 'I don't feel like we can catch up on our finances? ?My mom did a home remodel without permits? ?Fiancée's parents want me to sign a prenup' ?What do I do after losing my business to a fire?? Discussion about what "being managed out" means. Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? Protect yourself with the right coverage?take our coverage quiz! ? Take control of your money in 2025! Register for the free livestream. ? Start your free budget today. Download the EveryDollar app! ?? See Dave and John LIVE in a city near you! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ?Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app. ?? Watch United States of Anxiety exclusively on the free Ramsey Network app! George Kamel & Dr. John Delony answer your questions and discuss: "I spent $40K during a manic episode," "I turned $1k into $380k with Tesla stock; should I sell it?" "Should I leave anything to my estranged son?" "We lost everything to a hurricane," "My husband is spoiled and I lack boundaries," "I keep overdrafting my account" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ?? Protect yourself with the right coverage?take our coverage quiz! ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app.Watch United States of Anxiety exclusively on the free Ramsey Network app!  Dave Ramsey & Jade Warshaw answer your questions and discuss: "My mom is asking me to share my late father's life insurance," "My wife bought me an expensive Lego set behind my back," "Am I a jerk for not wanting a mortgage?" "I bought a truck and then found Dave Ramsey..." "Is giving the bank our money biblically immoral?" "My wife is pestering me to take a vacation," "My grandma opened a credit card in my name," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?Take control of your money in 2025! Register for the free livestream. ? Start your free budget today. Download the EveryDollar app! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ?? Protect yourself with the right coverage?take our coverage quiz! ?? Get Tickets to the Money & Relationships Tour Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app.Watch United States of Anxiety exclusively on the free Ramsey Network app!  Dave Ramsey & George Kamel hear stories of outrageous generosity from our listeners. Find out how much fun you can have giving away money on our 2024 Annual Giving Show! Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ?? Protect yourself with the right coverage?take our coverage quiz! ? Donate Foundations in Personal Finance Curriculum to a high school in your community. ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Dr. John Delony answer your questions and discuss: "My father-in-law owes us $100k and now he wants to put up our house for collateral," "How do I financially prepare to have a child?" "My husband says I "sucked the fun" out of his hobby," "My mother-in-law sticks her nose into everything," "How do I tackle $100K of debt?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? Protect yourself with the right coverage?take our coverage quiz! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ?Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ? Start your free budget today. Download the EveryDollar app! ?? Get Tickets to the Money & Relationships Tour Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "Should I buy a $250K supercar?" "I borrowed from my parents to start a business," "How do we steer our daughter's career choice?" "Should I be involved in my husband's business?" "I'm unsuccessfully tried to settle my debts," "How do I budget my starting salary?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ?? See Dave and John LIVE in a city near you! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app! Rachel Cruze & Jade Warshaw answer your questions and discuss: "Should I invest while in college?" "Should guests pay for meals at our wedding?" "My late husband hid our finances from me" "I have a big problem..." "How do I budget an irregular income?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ? Start your free budget today. Download the EveryDollar app! ?? Get Tickets to the Money & Relationships Tour ??Get tickets to Money & Marriage Getaway and make this the best Valentine?s Day EVER. Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app! Jade Warshaw & Rachel Cruze answer your questions and discuss: "How do we divide a gift when buying together?" "Why should I have a 15-year mortgage?" "I co-signed for a truck with my ex-fiancee," "My husband's employer hasn't paid him..." "How do I budget with an irregular income?" Asking for a friend: What are tax withholdings? Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? Get Tickets to the Money & Relationships Tour ?Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app! Dave Ramsey & George Kamel answer your questions and discuss: "Should I fix my car or buy another one?" "Living paycheck-to-paycheck on $600K a year," "How do I get my wife on board with the plan?" "How does compound interest work on multiple accounts?" "Should I get my fiancé to sign a prenup?" "How much house can I afford?" "My parents are kicking me out for failing college?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ?? Get Tickets to the Money & Relationships Tour ?Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I recover after a bankruptcy?" "Should I go into debt to visit my sick parents?" "Do I have enough saved to be self-insured?" "Should I go into a partnership with my attorney?" "Can you explain what a 'shared mortgage' is?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! ? Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts. ? Start your free budget today. Download the EveryDollar app! ?? See Dave and John LIVE in a city near you! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app! Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I invest in a whole life policy?" "My mom has a bad plan, how do I talk her out of it?" "Should I put down less than 20% on a home?" "My wife wants to leave me after I hid $26K of debt," "Should I buy my friend a car?" "My 401(k) was closed without my knowledge" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? Get $100 Off Money & Marriage Getaway with code CHRISTMAS. ?Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. George Kamel & Dr. John Delony answer your questions and discuss: "How do I budget an inconsistent income?" "How do I get my family on board with a budget?" Are you Broke, Average, or Wealthy? "Should I transfer my credit card balance to a HELOC?" "How do we get money back from a friend" "Drop out of college to take a Bitcoin mining job?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Get organized and prepared to buy or sell a home.  ? Start your free budget today. Download the EveryDollar app! ? Cyber Monday Extended Deals as low as $8 ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Dr. John Delony answer your questions and discuss: "How do I handle a defaulted loan?" "Should I buy a house while my husband is in prison?" "I make $73k/year but still feel broke," "Should I buy a car to get better gas mileage?" "My step-sister wants me to share my inheritance" "Should I help my boyfriend pay off debt?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ? Cyber Monday Extended Deals as low as $8 ? Get organized and prepared to buy or sell a home.  ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I learn to manage money?" "My abusive ex took loans out in my name," "Should I be ashamed for living in a motor home?" "How do I help a friend with their extreme debt?" "Can I afford a $80K Tesla?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Shop weeklong Cyber Monday deals starting at $10!  ? Get organized and prepared to buy or sell a home.  ? Start your free budget today. Download the EveryDollar app! ? Cyber Monday Extended Deals as low as $8 ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "Our advisor is telling us not to pay off our home," "How do banks let people get so many credit cards?" "How do I stay disciplined in Baby Step 2?" "How do I stop wasting my income?" My husband wants us to take out a mortgage for his daughter," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Shop weeklong Cyber Monday deals starting at $10!  ? Get organized and prepared to buy or sell a home.  ? Start your free budget today. Download the EveryDollar app! ? Cyber Monday Extended Deals as low as $8 ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & George Kamel answer your questions and discuss: "How do I buy a house for the first time?" "How do I financially prepare for med school?" "Should we cash out our whole life policy?" "Will income tax be eliminated?" "Should I pay off my cousin's debt?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Get 10% off Byrna product bundles and more! ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ?? Use promo code RAMSEY for 18% off at The Nokbox ? Learn more about Timothy Plan ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Shop weeklong Cyber Monday deals starting at $10!  ? Get organized and prepared to buy or sell a home.  ? Start your free budget today. Download the EveryDollar app! ? Hurry?Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. While we're out for the long weekend, we've compiled some of our favorite Rachel and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show on Monday! Rachel Cruze & Jade Warshaw answer your questions and discuss: "I?m over $1M in debt, what can we do?" "I work 90 hours/week and am in terrible debt" "My husband lost his job after we bought a house." "Is it ethical for us to use charity food pantries?" "My husband has always left me out of our finances. What should I do??" "Tips to lower Insurance rates for homes/cars this year." Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? See Dave and John LIVE in a city near you! ? Start your free budget today. Download the EveryDollar app! ? Black Friday deals are here! Get meaningful gifts for as low as $8! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & John Delony answer your questions and discuss: ?My husband doesn't help with our bills? ?Borrow $1.2M to buy a small business?? ?How can I sustain working 80 hours a week?? 'How do I get over the shame of bankruptcy?' ?My wife got caught in an internet scam.? 'Is it wise to propose while still in debt?' Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ? Black Friday deals are here! Get meaningful gifts for as low as $8! ?? See Dave and John LIVE in a city near you! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "Does God want us to be wealthy?" "Our daughter wants us to sponsor a green card," "Sell our house to pay off $400k of debt?" "Due to a prenup I have to move out soon," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Black Friday Start Now with Deals as low as $8. ?? See Dave and John LIVE in a city near you! ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "I hate my job and want to get out of debt," "What's the benefit of using an escrow account?" "I'm behind on my credit card payments," "How do I get my kids off my payroll?" "Should I invest in real estate?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? See Dave and John LIVE in a city near you! ? Start your free budget today. Download the EveryDollar app! ? Black Friday deals are here! Get meaningful gifts for as low as $8! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss: "My husband's gambling put us in 120k of debt," "Am I obligated to help my adult children?" "Should I invest more or pay off the house?" "I'm angry that my wife wants a larger house," "My girlfriend is considering debt relief" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ? Black Friday deals are here! Get meaningful gifts for as low as $8! ?? See Dave and John LIVE in a city near you! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Check out more episodes of Smart Money Happy Hour Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you?ve been looking for?plus great ideas for the one on your list who has everything. Rachel and George?s Gift Guide: Wine and Cocktail Lovers Cocktail shaker that doesn?t freeze your hands  Vintage cocktail book People Who Love to Cook Meat chopper Citrus squeezer Tech and Gadget Lovers Cordless phone charger Extended-length phone charger cable Kids Digital camera Parents/Grandparents Neck fan Foot spa Massage gun DeleteMe Spouse Coffee subscription Flower delivery White Elephant/Dirty Santa Milk frother Wine decanter ?Take the Hint? Gifts Apple AirTag Rachel?s favorite self-help book: The Anxious Generation by Jonathan Haidt Ramsey Solutions official store (Black Friday deals) For the One Who Has It All Customized sign/art Cozy Earth products (Use code SMARTMONEY for exclusive discount up to 45% off) Today?s Happy Hour Special: ? Red Sans-Gria Recipe from Drinking for Two: Nutritious Mocktails for the Mom-to-Be

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dr. John Delony & George Kamel answer your questions and discuss: "Investing while paying off debt," "Getting on the same page with our finances" "Wait for the economy to improve before I invest?" "My mother-in-law wants my wife to stay home," "Should I throw everything at my mortgage?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? Find the Right Health Coverage During Open Enrollment ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ?? Get Tickets to the Money & Relationships Tour Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "My fiance hasn't filed taxes in 20 years..." "I asked my parents if they can forgive my loan," "Should I rent out my house during the NFL Draft?" "My brother co-signed a car with my late father," "I'm worried grandkids will blow their inheritance," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? Find the Right Health Coverage During Open Enrollment ? Start your free budget today. Download the EveryDollar app! ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ?? Live Like No One Else Cruise Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss: "My terminally ill wife hid debt from me," "Is $42k a year enough income to build wealth?" "Should I buy a $1M house in cash?" "We overbought on a house; what do we do?" "Getting out of a car I'm $5K upside down on" Dave and Jade interview millionaires to find out how they built their wealth. Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for 18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Find the Right Health Coverage During Open Enrollment ? Start your free budget today. Download the EveryDollar app! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ?? See Dave and John LIVE in a city near you! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "My parents are worried about losing their home," "Should I go back to grad school after getting laid off?" "When should I consider refinancing my home?" "How do I sell the gold I dredge?" Dave Rant on stupid tax advice. Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? Find the Right Health Coverage During Open Enrollment ?? Live Like No One Else Cruise ? Shop the online store at Ramsey Solutions Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Dave Ramsey & George Kamel answer your questions and discuss: "My parents have no retirement savings and are expecting us to help," "How can I diversify my investment portfolio?" Should I freeze my credit? "My husband thinks we are too broke to have a baby?:" "Should I keep my Universal Life insurance policy?" Jimmy Darts on how fun it is to give money away (follow him at @jimmydarts) Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? Find the Right Health Coverage During Open Enrollment ? Start your free budget today. Download the EveryDollar app! ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ?? Get Tickets to the Money & Relationships Tour Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Ken Coleman & George Kamel answer your questions and discuss: My ex-boyfriend is on the deed to my house. My family doesn't want me to pay off my debt I was scammed by a fraudulent publisher I landed my dream job but I'm bad with money My husband won't stick with a budget Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Start your free budget today. Download the EveryDollar app! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? Find a Ramsey Trusted Real Estate Agent ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ?? Live Like No One Else Cruise Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. Ken Coleman & Jade Warshaw answer your questions and discuss: "Finding a girl that likes me and not my money" "Do I need to file for bankruptcy?" "We're almost in $1M in debt" "How do I make decisions with my new wife?". Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? How to Buy a Home Course ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Are you on track with the Baby Steps? Get a Free Personalized Plan ?Watch the full episode for free in the Ramsey Network app. George Kamel & Dr. John Delony answer your questions and discuss: "Should I pay off my house or start investing?" "I live in my truck. How do I get back on track?" "My grandparents skipped my parents in the inheritance and gave their money to us," "Are we financially ready to build a cabin?" "Is my mother-in-law is trying to cause a rift?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Find a Ramsey Trusted Real Estate Agent ? Start your free budget today. Download the EveryDollar app! ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today. ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ?? Get Tickets to the Money & Relationships Tour! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Jade Warshaw answer your questions and discuss: "How do I get out of a financial mess on my own?" "Can I afford to buy out my wife's car lease?" "How can I be a good influence for my cousin?" "We live paycheck-to-paycheck and can't get ahead," "Should we move to get away from our weird neighbors?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Start your free budget today. Download the EveryDollar app! ? 50 days of Christmas deals are here! Get 30% off meaningful gifts. ? How to Buy a Home Course ?? Free Tools & Resources to Reach Your Home Goals Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. George Kamel & Jade Warshaw answer your questions and discuss: "Should I co-sign a mortgage for my sister?" "Is it okay to rent when I first move out?" "Should I put extra income towards my wife's debt?" Tips for paying less in taxes next year, "Should I pay for my son's second degree?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? 24 Hours Only! Grab life-changing gifts for just $11 ? Find a Ramsey Trusted Real Estate Agent ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. George Kamel & Rachel Cruze answer your questions and discuss: "I took a pay cut to keep my family together," "What should I be investing in to build wealth?" "Should I combine debt with my boyfriend?" "My monthly bills are $500 more than my income" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Access Ramsey?s Complete Guide to Investing for free ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Invest in Your Future With a SmartVestor Pro ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ?? Live Like No One Else Cruise ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Dr. John Delony answer your questions and discuss: "My parents are threatening to kick me out" "I can't afford rent, what can I do?" "My husband doesn't trust me with our money," "How will I ever be able to afford a home?" Sports betting is affecting Americans' investing habits. Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! ?? Get Tickets to the Money & Relationships Tour ?? Invest in Your Future With a SmartVestor Pro ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Ken Coleman & Jade Warshaw answer your questions and discuss: Trump won the election: here's what to do next, "I overspent and have over $1 million of debt," "How much can I spend on buying property?" "How should I take on my new wife's debt?" "Should we stay gazelle intense to pay off our house?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Trump is the new president, but you are in control of your money! ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Live Like No One Else Cruise ?? Invest in Your Future With a SmartVestor Pro ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today! ? 50 days of Christmas deals are here! Get 30% off meaningful gifts ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Ken Coleman & George Kamel answer your questions and discuss: "Pull from my 401(k) to pay my ex-husband?" "I can't break the habit of living like I'm broke" "A potential employer wants me to pay them" "Keep our credit cards to build our credit score?". Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Grow yourself and your business with real-life, real-time coaching to help you win in business and leadership ? You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today! ? 50 days of Christmas deals are here! Get 30% off meaningful gifts ?? See Dave and John LIVE in a city near you! ? Start your free budget today. Download the EveryDollar app! ?? Live Like No One Else Cruise ? Access Ramsey?s Complete Guide to Investing for free Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Dr. John Delony & Jade Warshaw answer your questions and discuss: "I feel like I'm allergic to spending money," "How quickly should I be paying off my house?" "When do we tell our kids about our wealth?" "Should I invest more or buy a BMW?" "My loan officer says I'm putting too much down," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? 50 days of Christmas deals are here! Get 30% off meaningful gifts ?? Live Like No One Else Cruise ? Grow yourself and your business with real-life, real-time coaching to help you win in business and leadership  ? Start your free budget today. Download the EveryDollar app! ?? See Dave and John LIVE in a city near you! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Dr. John Delony answer your questions and discuss: "Is it wrong to not let family borrow our car?" "Is it okay to buy gifts while paying off debt?" "Why shouldn't I get a 30-year mortgage?" "Should I "call it quits" with my husband?" "I feel guilty charging my sons rent" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Get 20% off when you join DeleteMe ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? For help with investing, get connected with a SmartVestor Pro. ?You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today! ?? Reserve your seat for Summit 2025 today! ?? Get tickets to our NEW Money & Marriage Date Night virtual event ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Jade Warshaw & Dr. John Delony answer your questions and discuss: My business partner owes me $16K. I'm struggling to keep my finances above water. Talking to my parents about their budget What are FICA withholdings? Should we buy a brand new car? Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Reconnect with the NEW Questions For Humans Conversation Cards: Intimacy, Couples, Friends, Parents & Kids Editions  ?? Live Like No One Else Cruise ?? Invest in Your Future With a SmartVestor Pro ? Start your free budget today. Download the EveryDollar app! ? Connect with a RamseyTrusted tax pro for help with payroll and more Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. George Kamel & Ken Coleman answer your questions and discuss: "Why shouldn't I use credit cards?" "We're millionaires, do we still need to budget?" "My new husband lied about his net worth," "How much should we spend on a home?" "I just inherited $3M; how do I invest this?" "How do I talk my husband out of a bad decision?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Live Like No One Else Cruise ?? Invest in Your Future With a SmartVestor Pro ?Reconnect with the NEW Questions For Humans Conversation Cards: Intimacy, Couples, Friends, Parents & Kids Editions  ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm $2.5M in debt, what can I do?" "How do I talk to my family about money?" "Should I use my savings to buy my wife a car?" "Do I need to invest 15% if I have a pension?" "I'm afraid that AI and robots will take my job" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Invest in Your Future With a SmartVestor Pro ? Reconnect with the NEW Questions For Humans Conversation Cards: Intimacy, Couples, Friends, Parents & Kids Editions  ? The Live Like No One Else Cruise is booking fast!  ? Start your free budget today. Download the EveryDollar app! ?? Get tickets to our NEW Money & Marriage Date Night virtual event  ? Shop the right coverage based on your individual needs Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Jade Warshaw & George Kamel answer your questions and discuss: "Is it okay to continue renting indefinitely?" "Should I continue to wait on buying a home?" "My identity was stolen; how do I start over?" "I got a court order for a credit card I don't own," "Do we need to finance a roof repair?" Talk Nerdy to Me: Explain Dollar Cost Averaging "How much house can I afford," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Reconnect with the NEW Questions For Humans Conversation Cards: Intimacy, Couples, Friends, Parents & Kids Editions  ? The Live Like No One Else Cruise is booking fast!  ?? Invest in Your Future With a SmartVestor Pro ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Ken Coleman & George Kamel answer your questions and discuss: "My husband wants to sell the house for a trailer," "How do I balance work vs. time with family?" "I miss my debt after selling my Corvette," "Should I cancel my wedding to pay off debt?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Shop the right coverage based on your individual needs ?? Invest in Your Future With a SmartVestor Pro ?? Reconnect with the NEW Questions For Humans Conversation Cards: Intimacy, Couples, Friends, Parents & Kids Editions  ?? Live Like No One Else Cruise ? Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Dr. John Delony & Rachel Cruze answer your questions and discuss: "Family Is Guilting Me Over Not Helping My Mom" "My Parents Keep Hinting That I Should Move Out" "We Can?t Keep Up With the Rising Cost of Living" "I Regret Letting My Mother-in-Law Move In With Us". Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Get tickets to our NEW Money & Marriage Date Night virtual event ?? See Dave and John LIVE in a city near you! ? Start your free budget today. Download the EveryDollar app! ?? Invest in Your Future With a SmartVestor Pro ? Check out Questions for Humans Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Ken Coleman & Jade Warshaw answer your questions and discuss: "I can't get in my home due to a restraining order," "My car payment is stopping me from investing," "My fiancé just borrowed $240K to buy an RV," "I don't see a way out of my debt..." "My siblings expect me to take care of our parents," Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ? Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Shop the right coverage based on your individual needs ?? See Dave and John LIVE in a city near you! ?? For help with investing, get connected with a SmartVestor Pro ? Start your free budget today. Download the EveryDollar app! ?? Live Like No One Else Cruise Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Jade Warshaw answer your questions and discuss: "Why not buy a house before marriage?" "How do I invest for the future?" "Borrow from my 401(k) to buy a house?" "Should I buy a diamond ring or save more for a house?" "I'm in over my head with a remodel" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ?? Invest in Your Future With a SmartVestor Pro ? Start your free budget today. Download the EveryDollar app! ?? See Dave and John LIVE in a city near you! ?? Live Like No One Else Cruise ?? Free Tools & Resources to Reach Your Home Goals ? Free tools and resources to find the right insurance for you Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. George Kamel & Jade Warshaw answer your questions and discuss: "How do I start over at age 40?" "My truck is taking over my budget," "Is it necessary to have a credit score?" "My girlfriend is giving me an ultimatum based on who I vote for..." "How do I financially prepare for a divorce?" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Are you on track with the Baby Steps? Get a Free Personalized Plan ? Start your free budget today. Download the EveryDollar app! ?? See Dave and John LIVE in a city near you! ?? Protect yourself with the right coverage?take our coverage quiz! ? Free tools and resources to find the right insurance for you Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

?Watch the full episode for free in the Ramsey Network app. Ken Coleman & Jade Warshaw answer your questions and discuss: "I loaned my friend $3k then she passed away..." "I have nothing in savings but I need a car "How can I make a living in a difficult industry?" "My dad wants me to take out a business loan," "We're tired of living paycheck-to-paycheck" Support Our Sponsors: ? Get 10% off your first month of BetterHelp ? Learn more about Christian Healthcare Ministries ? Get started today with Churchill Mortgage ? Go to FAIRWINDS Credit Union for an exclusive account bundle! ? Save 15% on your first Field of Greens order with code RAMSEY ? Visit Helix Sleep for special offers! ? Visit NetSuite today to learn more ?? Use promo code RAMSEY for18% off at The Nokbox ?Get started with YRefy or call 844-2-RAMSEY ? Visit Zander Insurance for your free instant quote today! Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ?? Protect yourself with the right coverage?take our coverage quiz! ? Start your free budget today. Download the EveryDollar app! ? We're Hiring! Join the Crusade! Apply Now! ?? Live Like No One Else Cruise ? Find a Trusted Real Estate Agent Listen to more from Ramsey Network ?? The Ramsey Show   ? The Dr. John Delony Show ? Smart Money Happy Hour ? The Rachel Cruze Show ? The Ramsey Show Highlights ? George Kamel ? The Ken Coleman Show ? EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy