Dr. John Deloney

You convinced me to get Venmo. You've almost convinced me. I was in Pennsylvania two nights ago and I reached out to you and said, hey, will you... John doesn't know how to do like Instacart or like food delivery. Will you send ice cream as a surprise to my family?

You convinced me to get Venmo. You've almost convinced me. I was in Pennsylvania two nights ago and I reached out to you and said, hey, will you... John doesn't know how to do like Instacart or like food delivery. Will you send ice cream as a surprise to my family?

You convinced me to get Venmo. You've almost convinced me. I was in Pennsylvania two nights ago and I reached out to you and said, hey, will you... John doesn't know how to do like Instacart or like food delivery. Will you send ice cream as a surprise to my family?

I can't afford that.

I can't afford that.

I can't afford that.

But you did convince me to get Venmo, and I may get Instacart? Baby steps. I think I'm going to get Instacart.

But you did convince me to get Venmo, and I may get Instacart? Baby steps. I think I'm going to get Instacart.

But you did convince me to get Venmo, and I may get Instacart? Baby steps. I think I'm going to get Instacart.

Welcome back to the Ramsey Show. The Employee Benefit Research Institute recently did a study asking how many people have a million dollars saved for retirement. According to their research, only 3.2 of Americans have a million dollars or more in their tax advantage accounts, like a 401k and IRAs. 58% of Americans have less than $10,000 saved in their retirement accounts. Dude, that's dark stuff.

Welcome back to the Ramsey Show. The Employee Benefit Research Institute recently did a study asking how many people have a million dollars saved for retirement. According to their research, only 3.2 of Americans have a million dollars or more in their tax advantage accounts, like a 401k and IRAs. 58% of Americans have less than $10,000 saved in their retirement accounts. Dude, that's dark stuff.

Welcome back to the Ramsey Show. The Employee Benefit Research Institute recently did a study asking how many people have a million dollars saved for retirement. According to their research, only 3.2 of Americans have a million dollars or more in their tax advantage accounts, like a 401k and IRAs. 58% of Americans have less than $10,000 saved in their retirement accounts. Dude, that's dark stuff.

Six out of 10 Americans basically could do a month and a half in a retirement home. That's it. As a listener of the Ramsey show, are you staying on track with the baby steps to reach your financial goals? Here's the deal. Take a quick quiz to check your progress and receive a personalized plan just for you.

Six out of 10 Americans basically could do a month and a half in a retirement home. That's it. As a listener of the Ramsey show, are you staying on track with the baby steps to reach your financial goals? Here's the deal. Take a quick quiz to check your progress and receive a personalized plan just for you.

Six out of 10 Americans basically could do a month and a half in a retirement home. That's it. As a listener of the Ramsey show, are you staying on track with the baby steps to reach your financial goals? Here's the deal. Take a quick quiz to check your progress and receive a personalized plan just for you.

Simply head to the show notes, click on the link titled, are you on track with the baby steps and complete the free quiz. If you are one of the six out of a 10 of Americans that have less than 10 grand, there is a light for you, but you got to get on it, right? You have to, you got to begin to act differently.

Simply head to the show notes, click on the link titled, are you on track with the baby steps and complete the free quiz. If you are one of the six out of a 10 of Americans that have less than 10 grand, there is a light for you, but you got to get on it, right? You have to, you got to begin to act differently.

Simply head to the show notes, click on the link titled, are you on track with the baby steps and complete the free quiz. If you are one of the six out of a 10 of Americans that have less than 10 grand, there is a light for you, but you got to get on it, right? You have to, you got to begin to act differently.

This same 6 out of 10 who have less than 10,000, I'll go as high as 70%, 80% that are fragile.

This same 6 out of 10 who have less than 10,000, I'll go as high as 70%, 80% that are fragile.