? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "Is bankruptcy the only way out of my financial mess?" What to do when you bought too much house and your not on the same page with your spouse "I'm $200k in debt and have a baby on the way and don't know what to do" "My husband died suddenly and I have no idea what to do with my finances because he took care of everything" "How do we clean up $165k of debt on a truck and camper and start walking the Baby Steps?" "I can't afford a divorce, but I don't feel safe at my home anymore" "I'm a recovering spending addict and I don't know how to get my debts back on track" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  ?Get 20% off bestsellers! Whether you?re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job?there?s hope. ? 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 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Sign-up for EveryDollar today - The simplest way to budget for your life! ?? Share your thoughts on The Ramsey Show & more! George Kamel & Jade Warshaw answer your questions and discuss: "How should I diversify my investing?" Wall Street Journal article: Gen-Z Sinks Deeper in Debt, "When should I teach my kids about money?" "Should I sell my car to jumpstart savings and investments?" "Coping with a spouse who has a traumatic brain injury," "Is a 'cash back debit card' a good idea?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance BetterHelp Next Steps ?? Side Hustle Quiz ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Dave Ramsey's personal playbook on investing and real estate. ?Your grad doesn?t need another gift card. Give them the gifts you wish you?d been given, like the tools to help them take control of their money and find work that fulfills them. ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! ?? Share your thoughts on The Ramsey Show & more! Dave Ramsey & Ken Coleman answer your questions and discuss: Why desperation can lead to stupid decisions if you're not careful, "What's the best place to invest for retirement?" How Dave recommends someone invest in real estate, Repairing a car vs. replacing it, Why you should drive like no one else now so you can drive like no one else later, "We found asbestos while renovating our home..." Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?Your grad doesn?t need another gift card. Give them the gifts you wish you?d been given, like the tools to help them take control of their money and find work that fulfills them. ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! ?? Share your thoughts on The Ramsey Show & more! Dave Ramsey & Rachel Cruze answer your questions and discuss: Avoiding whole-life insurance, Why you should listen to the old rich people and go slow, "Should I take a pay cut to get into a better job?" "How do I work with my wife on our finances?" "Should we contribute to a 529 over retirement for day care?" "How can I get out of my car debt?" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. ?Your grad doesn?t need another gift card. Give them the gifts you wish you?d been given, like the tools to help them take control of their money and find work that fulfills them. ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! ?? Share your thoughts on The Ramsey Show & more! George Kamel & Dr. John Delony answer your questions and discuss: Why self-awareness is a superpower, "How do I stop giving money to my ex-daughter-in-law?" "Who should pay for our mother-in-law suite?" "What's the best way to get my finances in order?" "I'm afraid my husband will lose all of our money" "How do I set boundaries with family about my inheritance?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. ?Your grad doesn?t need another gift card. Give them the gifts you wish you?d been given, like the tools to help them take control of their money and find work that fulfills them. ?Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! ?? Share your thoughts on The Ramsey Show & more! Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I lie about how much I'm selling my car for?" "How do we stop living paycheck to paycheck?" "Am I the exception to credit cards?" "My daughter wants me to move out of our house..." "We are struggling to pull the trigger on a house," "How can I pay off debt and save money?" Support Our Sponsors: Churchill Mortgage Zander Insurance Yrefy Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  ?Get 20% off bestsellers! Whether you?re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job?there?s hope. ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Should I pursue a life of homesteading?" "How do I deal with a HELOC during the Baby Steps," "I'm worried my side hustle will get me fired..." "How do I talk to my husband about our finances?" "Is it okay to rent instead of buy?" Support Our Sponsors: Churchill Mortgage Zander Insurance Yrefy Next Steps ? How to Start Investing in 2024: A Beginner?s Guide ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Find a Ramsey Trusted Real Estate Agent ? For help with investing, get connected with a SmartVestor Pro.  ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  ?Get 20% off bestsellers! Whether you?re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job?there?s hope. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I can't afford to pay off my credit cards," "Should I leverage money or pay cash for an investment property?" "My sister-in-law wants us to pay for her vacation..." "Did we mess up by buying my parents' house?" "How should we budget for a wedding?" "Starting a new life after years in prison" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Yrefy Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? For help with investing, get connected with a SmartVestor Pro.  ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  ?Get 20% off bestsellers! Whether you?re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job?there?s hope. ? Find a Ramsey 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: Why you can't let math calculations become your focus when the real problem is your behavior, "How do we stay motivated during our debt payoff journey?" Why you should never take financial advice from broke people, "How do I start saving for retirement?" Getting out of an upside-down car (loan), "I'm being sued by a credit card company" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  ?Get 20% off bestsellers! Whether you?re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job?there?s hope. ? Find a Ramsey Trusted Real Estate Agent ? Will an online will work 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "My sister wants to move in with me," "Should I buy a home with my boyfriend?" "Should I take out a loan to buy a $1M business?" Using the "why" instead of the "what" to get your spouse on board with the Baby Steps, "Our bills tripled due to fraud by a family member," "How can we help our family living in poverty overseas?" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel, Ken Coleman, and Jade Warshaw answer your questions and discuss: "Should we move because of our grumpy older neighbor?" "I broke up with my girlfriend because of Dave..." "Dealing with family drama and medical bills," "How do I start over after a divorce?" "My husband didn't disclose how much debt he has," "Should I sell my rental to pay off debt?" Support Our Sponsors: Zander Insurance BetterHelp Christian Healthcare Ministries Next Steps ? How to Survive Divorce: Protect Yourself and Your Finances ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "I need a car but I'm still paying off debt," "We disagree on what kind of mortgage to get," "Should I go back to college?" "How do I get my wife on board with the Baby Steps?" "How long should I help my grown son?" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Ken Coleman answer your questions and discuss: "Should I use debt settlement?" "Where does a HELOC fall in the Baby Steps?" "I don't have anything saved for retirement," "How do I navigate buying a house from family?" "Is it ever a good idea to get a prenup?" Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Should I pay off my rental property?" "Should we back out of our new home build?" "Should I quit my side hustles?" "We disagree with how our church uses money," "Where should I buy rental property?" "How can I start being financially responsible?" Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ?? It's game on! Get your ticket for Total Money Makeover Weekend.  ? Find a Ramsey 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Is it okay to rent if I don't want to build wealth?" "Where does buying a car fit into the Baby Steps?" "Would you recommend buying a foreclosure?" "Pause investing to pay off our house?" "Is it okay to ask my kids to help pay bills?" "How can I change my husband's mindset?" Support Our Sponsors: Zander Insurance Churchill Mortgage Yrefy Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & George Kamel answer your questions and discuss: "My husband gambled all our money away and I just lost my job," "Why should I pay down my mortgage?" "Where should I start on the Baby Steps?" "Why real estate investing isn't just rainbows and paychecks," "Should I buy a house just because it's a good deal?" "Is it reasonable to ask our kids to sacrifice for our debt?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ? Find The Work You're Wired To Do 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Dr. John Delony answer your questions and discuss: Why leasing a car does not provide you with the tax benefits you think "I keep self sabotaging my budget because my adult children keep asking me for money" Contributing to retirement when self employed "Should I use a grant and a HELOC on my parents house so I can buy a house next year?" How to start your marriage off on the right foot financially Providing hope to a couple with $140k of gambling debt A caller that wanted to know if he should leverage his inheritance for $1 million of debt to try and purchase more real estate "Should we file bankruptcy because our company is being sued?" Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find a Ramsey Trusted Real Estate Agent ? The Live Like No One Else Cruise is back!  ? Find The Work You're Wired To Do 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My husband only wants to share his inheritance with his sons and not the children we've had together and I don't know how to talk to him about it." How to know if you moving states for a pay raise is worth it "How do I honor my wife's memory and stay financially wise?" Why it's not beneficial to change the Baby Steps to try and find a financial shortcut "My dad left his business to me in a trust but but I've been denied access and don't know what to do" A caller has been evicted 6 times and doesn't know how to make the changes necessary to keep it from happening again "Should I stay friends with someone who is committing fraud?" Support Our Sponsors: NetSuite Zander Insurance Yrefy Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ?The Live Like No One Else Cruise is back! ? Find The Work You're Wired To Do ? 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 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "Is now the right time to treat myself with a car?" "Why you shouldn't rationalize your stupid money decisions," "How should we use our savings?" "My abusive husband took all our money and left," Why leasing a car is the most expensive way to own a vehicle, We hear from millionaires to find out how they built their wealth. Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find The Work You're Wired To Do ? For help with investing, get connected with a SmartVestor Pro.  ? The Live Like No One Else Cruise is back!  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My car is being repossessed; what can I do?" "Should I sell my house or turn it into a rental property?" "I'm scared to death to not have a credit score," Vivek Ramaswamy on how monetary policy and the private sector can help transform the economy, "I feel stuck and unfulfilled in my current job," "I have $785K of debt, how do I get out of this?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? For help with investing, get connected with a SmartVestor Pro.  ?? It's game on! Get your ticket for Total Money Makeover Weekend.  ? Find The Work You're Wired To Do 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "We are retired but don't have enough saving," "My car payment is $900 a month," Why there's a difference between doing idiotic things and being an idiot, "How do I pay off $79K of debt as a single mom?" "Should I use another job offer as leverage?" "Can I sell my rental without harming the tenant?" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ?? It's game on! Get your ticket for Total Money Makeover Weekend.  ? Find The Work You're Wired To Do ? 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 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

? Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "Can I afford to move out on my own?" "Is my dream job attainable?" "How do I get out of a car lease?" "How can I increase my income?" "How do I even get started on the plan?" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ?? It's game on! Get your ticket for Total Money Makeover Weekend.  ? I'm Glad For Where I Am 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "What should we do with my fiancée's house?" "How do we prepare for early retirement?" "How should I start paying off my student loans?" "How can I afford to move out on my own?" "What's the fastest way to start a business?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find The Work You're Wired To Do ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "I don't know what's going on with our finances..." "I feel like I still can't afford a home at 52," "How do I take my wealth to the next level?" "Talking to my wife about combining finances," "How can we afford to buy a house?" "I feel guilty for spending money on a car" Support Our Sponsors: Zander Insurance Yrefy BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? I'm Glad For Where I Am ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "How can I help my father handle an inheritance?" "When should we pause Baby Step 2?" "How much should we spend on a vehicle?" "Why does Dave hate SoFi?" "What should I do with money in savings?" Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Dave Ramsey's personal playbook on investing and real estate. ? I'm Glad For Where I Am 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I feel like I'm stuck on Baby Step 1," "Should I start a business with my friends?" "My husband doesn't want to do the Baby Steps" "I'm scared to use our savings," "Should we take out a reverse mortgage?" "We have $110K in car loans with $43 income." Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Find The Work You're Wired To Do 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: "I have $400k of student loans; should I wait for forgiveness?" "How do I make enough to take care of my mom?" "How much should I have in an emergency fund?" "Should we buy a safer car?" "How do I get started investing?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance Yrefy Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? I'm Glad For Where I Am ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Where should we invest after paying off debt?" Why bad decisions will steal your wealth, Dave's guide to flipping houses, Fill this "prescription" if you want to be wealthy, Dave breaks down the 4 walls and why they're important, Dave's boomer perspective on Gen-Z's tax trauma, "We bought a flip house with my mom" Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Need help with your taxes? See who we trust. ? I'm Glad For Where I Am 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm $120K in debt and feel stuck," "Should I sell my new car?" "I'm being sued for an old credit card," "Is it OK to cut the cord and enjoy retirement?" "Buy a home for my son and his college friends?" "I can't afford to go to my friend's wedding" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Need help with your taxes? See who we trust. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "Should I buy a house while paying off student loans?" "My husband refuses to talk about our finances," "Should I take a job that will triple my income?" "Is a Roth conversion a good idea?" "How do I pay bills that are in collections?" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Need help with your taxes? See who we trust. ? Find The Work You're Wired To Do  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "What should we do with extra income?" "Should we move in with my parents to save money?" "Should my fianceé sign a prenup?" "Should I be content with a lower income?" "What's the wisest way to handle an inheritance?" Support Our Sponsors: BetterHelp Churchill Mortgage Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Enter the Teacher Appreciation Giveaway ? Need help with your taxes? See who we trust. ? Find the Work You're Wired to Do + The Get Clear Career Assessment, Preorder 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should I buy a home for my parents to rent?" Why you should never loan money to anyone including family & friends, "I co-signed on my ex-wife's house," "Should I buy rental property before paying off my house?" "I'm scared about money," "Should I move in with my in-laws to save money?" Support Our Sponsors: NetSuite Zander Insurance Eight Sleep Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?? Share hope by leading an FPU class at your church! ? For help with investing, get connected with a SmartVestor Pro.  ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should we sell our house in case of economic collapse?" "I made bad choices and gambled everything away..." The harsh reality of childcare expenses, Why you have to know where your money is going, How recognizing the problem is 90% of solving it, Learning how to be disciplined. Support Our Sponsors: Zander Insurance BetterHelp Christian Healthcare Ministries Next Steps ????? 13 Ways to Afford the High Cost of Childcare ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Need help with your taxes? See who we trust. ? Will an online will work for you? ?? Share hope by leading an FPU class at your church! 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I got us into a $120k hole of debt and now my marriage is falling apart," Rebuilding life after a messy divorce, "Should I keep paying off debt if I'm going to lose my job?" "Use a HELOC for home renovations?" "How much can I spend on a car?" "Is it okay to be wealthy as a Christian?" Support Our Sponsors: BetterHelp Yrefy Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?? Protect yourself with the right coverage?take our coverage quiz! ?? Share hope by leading an FPU class at your church! ? Need help with your taxes? See who we trust. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "My husband wants to buy his dream truck..." "Is Ramsey hypocritical about mortgage debt?" "How do we stop living paycheck-to-paycheck?" "Is it okay to buy my mom a car?" "My in-laws trashed my rental, what should I do?" Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?? Share hope by leading an FPU class at your church! ? For help with investing, get connected with a SmartVestor Pro.  ?? Protect yourself with the right coverage?take our coverage quiz! 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: My fiancee's parents want me to sign a prenup..." The importance of boundaries in marriage, "Should I take a promotion into a toxic work environment?" Dave reads mean YouTube comments, "When should we replace our vehicle?" "We don't make enough to pay our bills," "How do I get out of this financial storm?" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Churchill Mortgage Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Need help with your taxes? See who we trust. ?? Share hope by leading an FPU class at your church! 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "I'm making good money as a stripper and paying down debt, but I hate it," "I want an expensive home birth; is that okay?" "I need my inheritance money to fund my lifestyle," "We are fighting $688K of debt and we're losing money," Why a tax refund is not a bonus. Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Ramsey Network is working on a new show chronicling the story of real people doing the work to get out of debt. If you are interested in being a part of it, please fill out this survey and our team may get back to you: https://ter.li/hb48dv ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. ? Find a Ramsey 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Jade Warshaw answer your questions and discuss: "Will this financially ruin my family?" "I keep getting rejected by rental companies around my credit score," "How much should I save for a down payment?" "How can we budget together and be on the same page?" "I'm scared to buy a house" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps Check out the Ramsey Investment Calculator: https://ter.li/o3ig41 ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Ramsey Network is working on a new show chronicling the story of real people doing the work to get out of debt. If you are interested in being a part of it, please fill out this survey and our team may get back to you: https://ter.li/hb48dv ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Rachel Cruze answer your questions and discuss: "Should we keep investing while paying off debt?" "How can I convince my partner to marry me?" "I'm upside down on my car," "My husband wants to give his son a house against my wishes..." "My husband loves your show but won't slow down and take one step at a time - how do I get him to slow down?" How to know if you have too much life insurance and what it looks like to become self-insured "Our neighbors yell at us for parking on the street - are we making an emotional decision by selling our house?" "My son was making payments to me for a car he totaled - how can I let this be a lesson without it being a burden?" "My mom changed her will but it will leave my sister homeless and I don't know what to do about it" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. ? Find a Ramsey 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & Dr. John Delony answer your questions and discuss: "I'm not sure if I'm contributing enough to our debt," "How do I find a career I'm passionate about?" "Did we buy a car that is too fancy for us?" "Should I sell a rental to pay off all my debt?" "Should I go back to work?" Support Our Sponsors: Yrefy Churchill Mortgage Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "How do I best set up my debt snowball?" "How should we use money gifted to us?" "Can we afford to go on a vacation?" "Are we buying too much house?" "Should we be intense with our down payment savings?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Find a Ramsey Trusted Real Estate Agent ? Dave Ramsey's personal playbook on investing and real estate. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Dr. John Delony answer your questions and discuss: "Can we trust the US Dollar or will it collapse?" "Should we leave our dream home due to property taxes?" "What mindset is going to keep me out of debt?" "I'm 35 and don't have a house; am I a failure?" "Is it worth buying an electric vehicle" Support Our Sponsors: Zander Insurance NetSuite Angel Studios BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? For help with investing, get connected with a SmartVestor Pro.  ?? Buy, sell, and invest the right way using Dave?s proven plan. ?? Protect yourself with the right coverage?take our coverage quiz! 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "What should I do financially after paying off debt?" "Should I sell my rental property if I'll pay $220,000 in capitol gains?" "How can I stop living paycheck to paycheck?" How to move past the shame of poor financial decisions "My pregnant ex is moving out of state - should I move too?" Why you shouldn't share ownership of a house with your kids just because they can't afford to buy one the one they want instead of what they need Dave Ramsey gives an update on the current state of the real estate market How to save up to afford a surgery while in Baby Step 2 Support Our Sponsors: BetterHelp Angel Studios Zander Insurance Churchill Mortgage Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Need help with your taxes? See who we trust. ?? Protect yourself with the right coverage?take our coverage quiz! ? Find the career you were born to do! 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My new husband is almost $1 million in debt I didn't know about," "We owe our in-laws $40k; what should we do?" Dave wants you to stop whining about the housing market, Baby Steps Millionaire Theme Hour. Support Our Sponsors: Angel Studios Zander Insurance BetterHelp Christian Healthcare Ministries Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?? Buy, sell, and invest the right way using Dave?s proven plan. ? For help with investing, get connected with a SmartVestor Pro.  ?? Protect yourself with the right coverage?take our coverage quiz! 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "Which debt should I pay off first?" "My family wants 'their' money that I inherited..." "How do I balance today and the future?" "Should we leave our rental to our kids?" "Should I budget for a vacation?" "We have $60k of debt my husband doesn't know about..." "Our mortgage is more than 50% of our income" Support Our Sponsors: NetSuite Eight Sleep Zander Insurance Angel Studios Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Will an online will work for you? ? Find the career you were born to do! ? Need help with your taxes? See who we trust. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "My mother-in-law committed fraud against us...what do we do?" "Has Dave finally changed his mind about investing in Bitcoin?" "Can I afford to buy a car?" Paying down a 401(k) loan, Why only you can control your financial destiny, "How do I start tackling my debt?" Is George a DINKWAD? "Should I save for a house or start investing?" Support Our Sponsors: Churchill Mortgage BetterHelp Angel Studios Zander Insurance Yrefy Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Dave Ramsey's personal playbook on investing and real estate. ?? Protect yourself with the right coverage?take our coverage quiz! ?? Buy, sell, and invest the right way using Dave?s proven plan. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & George Kamel answer your questions and discuss: The clear roadmap of investing to become a millionaire by 65 How to change your mindset from reactive to proactive when it comes to managing your finances "How do we live on a budget with kids actively engaged in sports?" "How do I plan for our financial future after receiving a terminal diagnosis?" How George and his wife became net worth millionaires "How do we climb out of over $100,000 of debt?" "Should we pay for our son to go to M.I.T.?" "How much should we budget for our wedding?" Support Our Sponsors: BetterHelp Churchill Mortgage Angel Studios Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Jade Warshaw answer your questions and discuss: "Why should I pay cash for my house if I have the money to do so?" How to navigate saving while in college to avoid taking out more student loans "My husband manages all our finances and doesn't share any financial information with me and I don't know what to do" "How early can I budget for the next month?" "Should we kick out our 21 year old son to start a life on his own?" How to know if you should sell your house to pay off debt "Should I pay off debts in collections first or start with debt that's still in good standing?" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Angel Studios Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I keep the romance alive with a shared bank account if I don't want my spouse to see surprises I'm planning?" "I have a STEM degree and Starbuck's won't even hire me - how can I find a job with my degree?" "Am I financially obligated to help pay $250k of debt that my 60-year-old sister racked up?" Follow up call with a caller that hadn't paid taxes in 3 years How to choose between a stable income versus your dream career "Is it possible to leverage debt and stay aligned with the Ramsey methods?" How to prepare financially for losing your spouse Support Our Sponsors: Christian Healthcare Ministries Angel Studios BetterHelp Zander Insurance Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ? Find a Ramsey Trusted Real Estate Agent ?? It's game on! Get your ticket for Total Money Makeover Weekend. 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

? Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Is our lifestyle out of control?" "My wife doesn't want to live on our pig farm anymore - should I buy her a house?" Keeping a home because of nostalgia is often times not worth the financial burden "I'm being sued by a bank for past due credit cards and don't know what to do" "Should I add my toddler as an authorized user on a credit card to build their credit?" How to get back on track with the Baby Steps after starting them out of order Support Our Sponsors: Churchill Mortgage Zander Insurance Angel Studios BetterHelp Next Steps ? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ? Take Your 3-Minute Money Assessment - Get a personalized money plan! ?? It's game on! Get your ticket for Total Money Makeover Weekend.  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