Timothy Plan Ad Voice
Appearances
The Ramsey Show
Don’t Let Panic Influence Your Financial Decisions
All right, this is getting weird over there, guys. What do we do?
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Good afternoon. Thank you for taking my call. I just had a question. I wanted some help on determining how do you figure out if you're a candidate for long-term health care?
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Well, my wife and I just retired this past June. And we're not sure at what point are you comfortable with or would we be comfortable with being self-sufficient as far as self-insuring? That's the answer. Oh, I'm sorry. I didn't hear you.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Well, as far as health, we're both very healthy. I am 60. My wife is 57. And we live a pretty active life. And as far as financing and stuff, we probably have about $1.7 million in stocks and bonds and stuff like that. Uh, not including our house, which is probably valued at about $300,000. And, you know, we probably have about $2,000 in cash just in the local bank. Um, we are debt free.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
We don't own, uh, you know, we don't owe anything on anything.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Yeah. And as far as like our health insurance, I'm a retired teacher. So our health insurance, we pay about $350 maybe a month to cover my wife and I for the rest of our life. Amazing.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
She was in property management. And so, yeah, I taught elementary and she was in property management.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Probably around, oh, maybe about $170,000. Yeah, very cool.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Yeah, and I mean, we just got to the point where we doubled down on our house payment. When we bought our last house, we did a very short mortgage, and we just doubled up on everything. That's awesome, man.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Well, we weren't, weren't really sure. We had just started to check into it probably the last two weeks. Um, we've talked to like one of our financial advisors. Um, she gave us some options to go.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
And I guess one of the questions that I wanted to ask you guys is, um, some of the people that we had talked to had recommended, uh, like a life insurance policy with the writer and then some of them were like strictly life insurance. And when we got thinking about it, some of the policies, Basically, if you didn't use them for long-term health care, you had no money at the end of the policy.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
You basically paid into it, but you have nothing.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Okay, and that's what I wanted to ask you because one of the policies worked like you could either pay, you know, like a chunk of like $50,000 right up front.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
Um, we have not run the numbers. I mean, we just, like I said, we just started looking into it and we've had a couple of people, people quote us, um, different numbers. Um, one of them, you know, was about five grand a year. Um, and then again, one of them said, you know, you could pay a lump sum of 50 grand and never pay again in the rest of your life.
The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late
But then they tried to tell us the advantage to that was- No, Tim, we keep going back.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
There's a time in your life and in the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Churchill is Ramsey trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Now it's extra money in your pocket and an asset towards turning you into a baby steps millionaire. So get started on the American dream of home ownership today at churchhillmortgage.com. That's churchhillmortgage.com.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
As the pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you. Or visit timothyplan.com for more information. Investing includes risk, including possible loss of principal.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Yes, I have, George. Sketchy and never trust them.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Yeah, they do. Delete.me actually goes in and removes your information from data broker websites. And it is an incredible service that everyone needs.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
That's right. And then once they remove your information, then they're going to send you a detailed report telling you where they found your information, when they removed it, how many hours they've saved you. I mean, it is incredible. So detailed and it's beautiful.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Absolutely amazing. And Winston and I now get fewer texts, weird emails, spam calls, all of it.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
It's amazing. So again, that's joindeleteme.com slash Ramsey. Make sure to check it out, you guys.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
Cut Debt out of Your Life! (Literally)
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Listen, people, what you call organized chaos is still chaos. This year, build some room in your budget to get your life really organized. One tool that I recommend is a knockbox. As in next of kin, knockbox is a complete system that helps you organize important documents, accounts, IDs, tax returns, insurance policies, estate plans, and other personal history in one secure place.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
The 15 categories in your knockbox cover everything from health history and investments to your ancestry and even collectibles. So cut the clutter with a knockbox. Start getting organized today and receive an exclusive discount at knockbox.com slash Ramsey. That's N-O-K box.com slash Ramsey.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Taking care of your health doesn't have to cost a fortune. That's why Field of Greens is in my house. Field of Greens is made from fruits and veggies selected by doctors to support your heart, liver, kidneys, and metabolism. And here's the best part. They're so confident your doctor will notice your improved health, they offer a money-back guarantee, no questions asked.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Try today and get 15% off at fieldofgreens.com slash Ramsey. Promo code Ramsey. fieldofgreens.com slash Ramsey.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
People tell me about their experiences with big banks all the time. Bad service, fees that nickel and dime them to death, and predatory lending that tries to catch them in never-ending cycles of debt. So if you're ready for a bank that puts people over profits, check out Fairwinds Credit Union. I recommend Fairwinds because they share our Ramsey values of helping people
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Get out of debt and live generously. If you go to fairwinds.org slash Ramsey, you'll see the combined checking and savings account bundle they created just for Ramsey fans. This account bundle is designed to help you take control of your finances and stay out of debt. And Fairwinds also has a great mobile app that's safe and secure for so you can manage your transactions with peace of mind.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Fairwinds has been helping people avoid big bank traps for 75 years. So go to fairwinds.org slash Ramsey to learn more. It's easy to join, no matter where you live. That's F-A-I-R-W-I-N-D-S dot org slash Ramsey. If your holiday ham tends to last longer than your New Year's resolutions, then I got a fresh challenge for you.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Make this the year you take control of your financial future with an actionable plan. Sound intimidating? You don't have to do it alone. SmartVestor Pros are financial advisors who can walk you through what you need to know about retirement planning, wealth management, and anything in between. Find a pro near you at ramseysolutions.com slash smartvestor.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Ramsey Solutions is a paid, non-client promoter of participating pros.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
What does the future hold for business? Ask nine experts and you'll get 10 different answers. Economic growth or a recession. Business taxes will go up or down. AI will help us work or it will replace us all. But there's no such thing as a crystal ball.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
That's why more than 40,000 businesses have future-proofed themselves with NetSuite by Oracle, the number one cloud enterprise resource planning system. Ramsey Solutions uses NetSuite, and you should too. Whether your company's earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and seize your biggest opportunities.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
With one unified business management suite, there's only one source of truth for the visibility and control you need to make quick decisions. NetSuite's real-time insights and forecasting help you see into the future with actionable data. And when you're closing the books in days, not weeks, you can spend less time looking backward and more time focusing on what's next.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
And speaking of what's next, download the CFO's Guide to AI and Machine Learning at netsuite.com slash ramsey. It's free at netsuite.com slash ramsey.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Hey, Dave Ramsey here. Dr. John Deloney and I are coming to a city near you on the Money and Relationships Tour. You, the audience, will vote to choose the topics we talk about, things that impact your life, like investing in your future, money, stress, and marriage, and more. We're coming to Louisville, Durham, Atlanta, Kansas City, Fort Worth, and Phoenix in April and May 2025.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Tickets are at their lowest price right now. Grab yours at ramseysolutions.com slash tours.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
You know, every year I hear the same excuses for why people don't get the life insurance they need to protect their families. So this year, let's clear the air and look at the facts. Most people are concerned about price, but term life rates have never been lower. Having 10 to 12 times your income on a 15 or 20 year plan is in many cases just plain cheap.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
Second, life insurance through your work is not enough. especially since these plans go away if you change jobs. You need to have your own policy so you're not without protection when your family really needs it. Third, stay-at-home parents need life insurance, especially those with young kids. People don't realize how quickly the costs add up without someone at home taking care of things.
The Ramsey Show
Do You Have Too Much Month Left at the End of Your Money?
So no more excuses, folks. Get the protection your family needs. Go to zander.com or call 800-356-4255. They've been my choice for all my insurance for over 25 years and are the only people I trust.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
As a pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you or visit timothyplan.com for more information. Investing includes risk, including possible loss of principal.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
We'll be right back. I recommend contacting my friends at Laurel Road today. Through their online application, you can get an initial rate quote in less than five minutes. And if you have a more complex situation, you can schedule 30 minutes to talk to an actual human being. Thank goodness. Laurel Road makes it simple.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
There are no fees involved and you could save thousands over the life of your loan. Remember... You should only refinance if it makes sense in your situation.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
So if you're looking for a low rate or a shorter term so that you can pay off these student loans fast, talk to my friends at Laurel Road about their competitive interest rates and how you could actually get a lower rate by signing up for auto pay. Listen, nobody's coming to save you from your student loan debt. If you want it gone, you can't mess around.
The Ramsey Show
Life Happens—But Your Plan Doesn’t Have to Fall Apart
Go to laurelroad.com slash Ramsey to find out more about student loan refinancing. Again, that's laurelroad.com slash Ramsey.
The Ramsey Show
Bad Money Habits and Good Relationships Don’t Mix
Nationally syndicated talk radio host Dave Ramsey has often said that there is no magic pill for getting out of debt. Well, sorry, Mr. Ramsey, but there is. And it's called Detanol. Detanol is a 100% all-natural drug that is guaranteed to control your spending and control your desire to overspend. One pill a day, and you will no longer feel the need to spend money you don't have.
The Ramsey Show
Bad Money Habits and Good Relationships Don’t Mix
We have created this drug because we care about you. Detanol, the pill that cares. Minor side effects may include fatigue, headache, nervousness, sore throat, explosive diarrhea, insomnia, drowsiness, horrible nightmares, gastronomical trauma, hallucinations, chronic halitosis, a slight cough, and a runny nose. Detanol, brought to you by the Credit Card Association of America.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
You spent years trying to get everything just right for your family. Now you need an easy way to make sure your important financial documents are as organized as the rest of your house. Well, good news. Knockbox, that's N-O-K box, as in next of kin box, is a complete system that helps you be sure that you leave happy memories, not a mess, when you pass away.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Knockbox is a simple way to organize important paper and digital documents, IDs, tax returns, insurance policies, estate plans, accounts, and other personal history in one manageable place. Your family will feel your love in every detail you take care of. So start taking care of them at knockbox.com slash Ramsey. A well-organized legacy is a gift to your family. That's knockbox.com slash Ramsey.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
There's a time in your life and at the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Churchill is Ramsey Trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Now it's extra money in your pocket and an asset towards turning you into a Baby Steps millionaire. So get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
I thought you were going to have to phone a friend and see if George would say to sell the donkeys.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
This show is sponsored by BetterHelp. All right, so I was born and raised in Texas, and I love the myth of the lone cowboy. You know, the guy who doesn't need anyone or anything. It's a fun story, and it's a lie. In our self-obsessed society, we're obsessed about our own diets, our own workout routines, our own jobs, our own social media feeds, everything.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
It's easy to forget that no one can do life alone. And I don't care if you're an introvert, an extrovert, or whatever you want to call yourself, we all have to have a community and a support system to do life with. It's time to shift the focus from doing it all by ourselves to knowing that we can only be well and whole when we ask for help.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
Therapy can be a great source of help and support for any area of your life. And if you're thinking about starting therapy, try BetterHelp. BetterHelp is 100% online therapy so it can fit with your schedule. To get started, just fill out a short online survey to get matched with a licensed therapist. And if it's not the right fit, you can switch therapists at any time for no extra cost.
The Ramsey Show
Quit Letting Broke People Give You Financial Advice!
This month, start to build your support system with BetterHelp. Visit BetterHelp.com slash Deloney to get 10% off your first month. That's BetterHelp, H-E-L-P dot com slash Deloney.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
We'll be right back. I recommend contacting my friends at Laurel Road today. Through their online application, you can get an initial rate quote in less than five minutes. And if you have a more complex situation, you can schedule 30 minutes to talk to an actual human being. Thank goodness. Laurel Road makes it simple.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
There are no fees involved, and you could save thousands over the life of your loan. Remember... You should only refinance if it makes sense in your situation.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
So if you're looking for a low rate or a shorter term so that you can pay off these student loans fast, talk to my friends at Laurel Road about their competitive interest rates and how you could actually get a lower rate by signing up for auto pay. Listen, nobody's coming to save you from your student loan debt. If you want it gone, you can't mess around.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
Go to laurelroad.com slash Ramsey to find out more about student loan refinancing. Again, that's laurelroad.com slash Ramsey.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
This show is sponsored by BetterHelp. All right, you've heard me say it a thousand times, and I'm gonna keep saying it. You're worth being well. And listen, therapy can help. I see a therapist, and let's be honest, a lot of you should too. But let's be real, taking that first step to see a therapist can feel overwhelming. Maybe it's the time.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
Maybe you have some preconceived notions about therapy. Maybe it's the cost. But we spend money on gym memberships, organic groceries, essential oils, Little League practices, tracker watches. But for some reason, when it comes to our mental and emotional well-being, we hesitate. Your mental and emotional health are just as important as your physical health. And the good news?
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
BetterHelp makes therapy more affordable and convenient than ever. It's online so you can talk with your therapist when it works for your schedule. No more waiting rooms, no long commutes, and no six-month waiting lists. You just get online and fill out a short survey to get matched with a licensed therapist. And if it's not the right fit, you can switch at any time for no extra cost.
The Ramsey Show
When Are You Going To Clean Up Your Financial Mess?
Your well-being is worth it. Visit BetterHelp.com to get started. That's BetterHelp.com.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Okay. You got it? Yeah. Would you recommend what they were saying with like, you know, living at home for a little bit and then giving them money? Or would you say like, get on my own?
The Ramsey Show
Don’t Become a Victim of Your Circumstances
It's great, man. Well, I appreciate everything you have to do. I've been phoning you since I was 18. I just turned 19 not too long ago. So I'm freaking out right now. Uh-oh. What are you freaking out about? Everybody likes to share a little bit of details of their input on life and everything that's going on. And I'm really, really, really trying to get a place to live.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
I'm going to be proposing to my girl soon. So I'm trying to figure out whether I'm renting or buying. I'd really like to buy, but I'm trying to follow you guys as much as I can. And I don't want to have a credit score or a credit card, but I've called too many people.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Yeah, like I said, I'm proposing to my girl soon, so that's the main one. I mean, I have like a year to figure this all out, but I'm just trying to figure out.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
No, there's no law. No, no, I just don't know. Like, I want to be putting as much as I can into savings, right? So I don't know if I should be, how long I should be renting for if I should. Like, I know I'm okay to do that, but.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Yeah, yeah. I'm debt-free. I'm working for an amazing company that they'll pay for me to go to school if I want to. I'm going to pursue a career in home adjusting, and they'll pay for me to do that, too. Great. What's your income? Income right now is about $35,000. I work two jobs. I work at a restaurant.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Savings right now, I have about... $15,000 in my regular savings fund, and then I have $4,000 in retirement and a couple thousand in my emergency fund.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
No, that's just for the house. I actually have a fund for a ring.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Right now, I know it's lower, but I mean, right now it's about like a thousand and some change a month.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Yeah. Yeah, I've been saving up for that one for a while. I have about like $3,000 ready for that. Perfect. That's all ready to go.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Yeah, I'm terrified. I keep hearing stuff. People keep telling me higher interest rates. Even though I can do manual underwriting, but then they'll be like, yeah, I expect higher interest rates, but I don't know.
The Ramsey Show
Don’t Become a Victim of Your Circumstances
Yeah, and they suggested what I could do is I could pay a little bit of money. I have a track record to my mom and dad. Exactly.
The Ramsey Show
Focused People Build Wealth—Distracted People Stay Broke
Hey, good afternoon. I'm so glad I made it on the line with you guys. Oh, I'm so glad you called. How are you? I'm doing well.
The Ramsey Show
Focused People Build Wealth—Distracted People Stay Broke
He's going to have to buy you out.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
I'm well. So I've just been doing research with my financials, and then I came across George Camel on YouTube, and then that's how I saw the Randy show. Yeah, you got to love George.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
Yes, sir. He's very amusing on YouTube. So if you guys ever see him, please give him a thank you for how humorous he is.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
How can we help? My, uh, my question is I, so with the baby steps, I feel like I'm in limbo between baby step two and baby step three. I, I have $6,000 right now in my HYSA. So I feel step one is definitely complete. So my financial situation, my wife and I, we closed on a home in June of 2023 out in California. Our mortgage is, uh,
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
Sorry, expense-wise, we're stocking away $5,200 a month into another HYSA to cover the mortgage, property taxes, and insurance.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
No, I'm moving out to California. You're moving out to California.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
So that's the mortgage there. And then I have non-traditional student loans. My parents had a 529 plan for me and my siblings. And they want half of the money back of what they totally spent for my college university. And then...
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
They only want 50% back of what my costs were. Which is what? Which is $75,000 now.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
No, this was when I was a teenager in high school.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
No, no, no. I moved from baby step one. And now I feel like I'm in limbo between baby step two and baby step three.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
The, yeah, for the, so we, when my wife and I closed on our home, we don't have PMI. So we, The other 10% came from a loan from her parents.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
That now I believe is, I think it's $50,000 now. Ooh, sir. Okay.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
My gross salary last year was 137 and I'm predicting it. It'll go up. It's not a predictable, it's predictable in that the salary will increase, but it's not a predictable number per year. What about your wife? She's predictable at around, I think her gross last year was $80,000.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
That sounds about correct with our gross income for last year.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
The mortgage is $4,252 a month. Okay. And then we also sock away extra money. Property taxes are now increasing. It was... It's about eighty four hundred dollars a year now. And then California does its two percent increase from Prop 13.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
And then we also sock away extra money for the insurance. I have a question. Last year was.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
Yeah, I think it's about 50% to 60%.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
I know it's supposed to be 25%.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
I have, but now I've accepted the terms of it and I feel relaxed because of the nature of my job. I feel content that my wife, she is 20 minutes away from her parents. In the nature of my job, I'm gone for two weeks at a time, so emotionally I feel okay because I know she has somebody to rely on while I'm gone.
The Ramsey Show
Make Money Choices Today That You Won’t Regret Tomorrow
I've come to terms with it and accepted it.
The Ramsey Show
Your Future Depends on What You Do Today
I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
Your Future Depends on What You Do Today
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
Your Future Depends on What You Do Today
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
Your Future Depends on What You Do Today
Well, credit unions, for one thing, are non-profit, which means that the members, the customers, own the credit union. So any profits that the credit union makes goes back into customer accounts. pricing. So you get better interest rate on savings, cheaper checking, and so on, that kind of thing.
The Ramsey Show
Your Future Depends on What You Do Today
But what's more important than that, though, is the fact that the customer is the owner changes the spirit on the credit union. So I find very few credit unions that aren't very customer-centric.
The Ramsey Show
Your Future Depends on What You Do Today
They're the right kind of people with the right kind of values. And they've done a really, really good job with customer service. And the deals that they're offering, the Ramsey tribe is incredible.
The Ramsey Show
Your Future Depends on What You Do Today
Hey, you guys know how much I hate banks in general. And so for me to do this is a big deal. Talk to our friends at Fairwinds and check out the combined checking and savings bundle that they created just for the Ramsey tribe. You guys, it's incredible.
The Ramsey Show
Your Future Depends on What You Do Today
Rachel, do you ever get these sketchy text messages that are like, hey, you need to update your address and verify so we can get you the package you didn't order?
The Ramsey Show
Your Future Depends on What You Do Today
And that's why we recommend Delete.me. They help with that.
The Ramsey Show
Your Future Depends on What You Do Today
And there's a lot of shady companies out there that solely exist to sell your personal data to bad guys. And that means your info, like your email address, your home address, your kids' names, your name, everything is just out there for scammers and spammers to find.
The Ramsey Show
Your Future Depends on What You Do Today
But Delete Me will delete your data, hence the name. It's gone. They'll wipe it out for you so you can sleep easy.
The Ramsey Show
Your Future Depends on What You Do Today
Get this. So far, they've reviewed 27,000 listings on my behalf, removed me from 240 data broker sites and saved me 77 hours of time. It's incredible.
The Ramsey Show
Your Future Depends on What You Do Today
I love it. So you got to be sure to check them out. Ramsey fans get 20% off their annual plans. Just go to joindeleteeme.com slash Ramsey. That comes out to less than nine bucks a month. Super affordable.
The Ramsey Show
Your Future Depends on What You Do Today
Big news, business owners. It's here. My brand new book, Build a Business You Love, is officially available to start reading now. Look, running a business is tough. Some days it feels like you're just duct taping the whole thing together. I get it.
The Ramsey Show
Your Future Depends on What You Do Today
That's why I put 30 years of hard-earned lessons into this book to help you grow faster, make smarter decisions, and stop learning everything the hard way. Don't wing it. Get your copy at ramsaysolutions.com slash store and start reading today.
The Ramsey Show
Your Future Depends on What You Do Today
All right, let's cut to the chase. It's easy to get discouraged about crazy house prices and interest rates. But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsey Trusted Agents aren't just experts who guide you through buying or selling.
The Ramsey Show
Your Future Depends on What You Do Today
They're people you can trust to have your back from the first call to closing day. Find a Ramsey-trusted agent near you at ramseysolutions.com. That's ramseysolutions.com.
The Ramsey Show
Your Future Depends on What You Do Today
Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.
The Ramsey Show
Your Future Depends on What You Do Today
The easiest way to get started and stick to it is with the EveryDollar budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.
The Ramsey Show
Your Future Depends on What You Do Today
Hey, what are you still doing here? You know the rest of the show's happening on the Ramsey Network app, right? So you gotta jump over there to continue watching. You can download it for free. Just go to your app store, type in Ramsey Network. It's completely free, and I'll drop a link in the show notes to make it easy for you. So if you're watching on the app, you're in luck.
The Ramsey Show
Your Future Depends on What You Do Today
But if you're watching anywhere else, this show is over for you. So jump onto the app and let the fun continue. All right. Go on now. Don't make it weird. Okay, I got nowhere to go, so you need to go. Okay, bye-bye now.
The Ramsey Show
Your Future Depends on What You Do Today
Hey, listen up. Everyone is at risk of identity theft. I don't care if you're a hermit living off the grid listening to the show on a battery-powered radio. All of your data, collected by every company you've ever done business with, lives online. Your bank, your doctor's office, retailers, the apps on your phone, the gas station where you have loyalty rewards.
The Ramsey Show
Your Future Depends on What You Do Today
They all store your info online, making them ripe for a cyber attack or data breach. That's why I've been telling people for almost 25 years they need an ID theft protection plan, and the only one I've ever recommended is from Zander Insurance. They monitor your personal and financial info, even your home title, and take over the work if you become a victim.
The Ramsey Show
Your Future Depends on What You Do Today
It's the most thorough and affordable plan out there. I even have it for my family and our entire team. Visit Zander.com or call 800-356-4282.
The Ramsey Show
Your Future Depends on What You Do Today
brought to you by the EveryDollar app. Start budgeting for free today.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
Debt Isn't The Problem - Your Mindset Is
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
We've all got people we love and things we've worked hard for that we want to protect. So to keep them safe, I've recommended SimpliSafe home security for over 10 years now because they're the best. You see, traditional security systems only start working after somebody's already broken in, which is too late.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
But SimpliSafe's active guard outdoor protection can help prevent break-ins before they happen. and SimpliSafe agents can see and speak to potential intruders to help stop trouble before it makes it to your door. SimpliSafe is 24-7 protection for your home inside and out. And even though SimpliSafe is the best, it's affordable. Monitoring starts at around $1 a day.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Your first month is free, and they offer a 60-day money-back guarantee. Plus, there are no long-term contracts or cancellation fees. And right now, you get 50% off a SimpliSafe system with professional monitoring. So head to SimpliSafeDirect.com to save 50%. That's SimpliSafeDirect.com. There's no safe like SimpliSafe.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Well, credit unions, for one thing, are non-profit, which means that the members, the customers, own the credit union. So any profits that the credit union makes goes back into customer accounts. pricing. So you get better interest rate on savings, cheaper checking, and so on, that kind of thing.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
But what's more important than that, though, is the fact that the customer is the owner changes the spirit on the credit union. So I find very few credit unions that aren't very customer-centric.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
They're the right kind of people with the right kind of values. And they've done a really, really good job with customer service. And the deals that they're offering, the Ramsey tribe is incredible.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Hey, you guys know how much I hate banks in general. And so for me to do this is a big deal. Talk to our friends at Fairwinds and check out the combined checking and savings bundle that they created just for the Ramsey tribe. You guys, it's incredible.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
As the pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you or visit timothyplan.com for more information. Investing includes risk, including possible loss of principal.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
You know, one of the first things I discovered working in the financial world is how absolutely devastating it is when the breadwinner of a family dies and there's too little life insurance or none at all. Grieving families are suddenly left behind scrambling to pay bills and trying to make ends meet.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
I also discovered that there are a lot of ripoffs in the life insurance world, like that whole life crap posing as an investment opportunity. What you need is level term life insurance, usually 10 to 12 times your income, which is the smartest, most affordable way to protect your family.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
The key is finding an independent broker who represents a ton of companies and works for you, not for the insurance company. This is exactly what my friend Jeff Zander and his team at Zander Insurance are all about. They shop the term life companies to find you the best options, and they've been around for over 95 years. so you know they'll be there when you need them.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Zander is the real deal, and that's why they've handled all my personal insurance for over 25 years. I trust them, and you can too. Visit Zander.com for instant online quotes or for a more personal touch. Give them a call at 800-356-4282. All right, let's cut to the chase. It's easy to get discouraged about crazy house prices and interest rates.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
But when you have the right real estate agent to help you buy and sell the right way, you'll have confidence to make smart decisions. Ramsey Trusted Agents aren't just experts who guide you through buying or selling. They're people you can trust to have your back from the first call to closing day. Find a Ramsey-trusted agent near you at ramseysolutions.com. That's ramseysolutions.com.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Let's be honest, shopping for health insurance can be confusing. With high costs, complicated terms, and customer service that doesn't really serve you, most folks just pick a plan and hope for the best. See, insurance companies don't work for you. They work for themselves, meaning they love it when you overpay. So you need a guide on your team to help you make the best choices.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Health Trust Financial Works for you. They're not salespeople. They help you find the health insurance option that makes sense and saves you money. The fact is health insurance is one of the biggest expenses in your budget. But most people who work with Health Trust Financial end up saving $500 a month. Imagine putting that kind of money toward the baby steps.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
My team has worked with them for over 20 years, and they've served thousands of people just like you. They're the only health insurance broker that's Ramsey Trusted to help you. So stop throwing money away and get the health insurance that's right for you at healthtrustfinancial.com. That's healthtrustfinancial.com.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
The easiest way to get started and stick to it is with the EveryDollar budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
What if one night could change your future? You don't have to stay trapped in the same old patterns that have left you stuck in your money, relationships, and your life. You can break the cycles that have kept you from moving forward. Dr. John Deloney and I will show you how live the Money and Relationships Tour is starting this week.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Join us in Louisville, Durham, Atlanta, Phoenix, Fort Worth, or Kansas City. It's down to the wire, so grab your tickets at ramseysolutions.com slash tour. That's ramseysolutions.com slash tour.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
Hey, when you're gazelle intense, you sell so much stuff the kids think they're next. But when you've gotten rid of all you can, save money by switching your cell phone plan to Boost Mobile. It's just $25 a month for unlimited talk, text, and data forever. Boost is a major nationwide network that offers reliable 5G service. And here's my favorite part, transparent pricing.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
There's no hidden fees, no contracts. And there's a 30-day money-back guarantee, which means no risk. Go to BoostMobile.com to switch today. That's BoostMobile.com.
The Ramsey Show
You Can’t Borrow Your Way to Freedom
brought to you by the every dollar app start budgeting for free today
The Ramsey Show
You Can Move From Family Drama to Financial Peace
This is my third year, and it's my second. The first year, I didn't know how to access the videos or anything, so I really taught from your Total Money Makeover financial piecebook. So for two years, we've been doing the full curriculum, and the course is getting more and more popular. Wow. The first two years, I had to teach some Algebra 1, because I'm a math teacher.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I incorporated it into my math class, but I had to teach some Algebra 1 in there, too. So the last... The last two years, the class is – I've got all – this is the only thing I teach. We teach finite math, and I incorporate it into it. Next year, we're changing to financial algebra, which will – the standards will line up a lot better. But, man, it is great. Love teaching it.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I never have a student ask me, Ms. Austin, when are we ever going to use that? I would get that sometimes about Pythagorean theorem. I bet.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Most fun I've ever had teaching. Wow.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
We're on a block schedule, so I teach about 80 each semester. Wow, that's a lot of lectures. So we finish the course in a semester. So I have about 160 a year. So I figure I've been doing it for three years, and I'm probably teaching seven more years before I retire maybe. So I'll have about 1,600 students come through this. Wow, very good. And here's the thing.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
We live in a county, 73% of our students, we're a Title I school, 73% of our students are free or reduced lunch. Countywide, about 20% live below the poverty line.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
So if I can take those 1,600 students and I can teach them how to manage money, I can teach them how to be wealthy, how to not go into debt, do all the Dave Ramsey stuff, and teach them to be generous, we can change the demographics of our county. You can. You're right.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
I tell them all the time, we've got a lot of generational poverty here. I say, you know, you can change this not just for you. You can change it for your children, your grandchildren, because you learn to do things like your parents did. Your children will learn to do things like you do. We've got to break some generational curses.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Yes, we did. We did. And we weren't sure we had a different sponsor for the first two years. We weren't sure we were going to get that. I was fixing to start looking for grants and trying to raise money because I cannot imagine not teaching this. If I can't teach this, I'm probably going to be ready to retire. Wow.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
It's Holy Week in Jerusalem, and the city is restless. The people of Israel welcome Jesus as king, his followers ready for revolution. But instead of taking the throne, Jesus turns the tables.
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Walk, you scribes and Pharisees! How will you escape being condemned to hell?
The Ramsey Show
You Can Move From Family Drama to Financial Peace
Experience Holy Week like never before. What have you done? Now in theaters, The Chosen, Last Supper. Get your tickets now.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Hey, technology has changed a lot in the last 30 years. Now the hot topic is AI, and I understand that it might seem intimidating. But if you use AI the right way, it's just another tool to help you work smarter and faster, like a calculator or a cordless drill. So if you run a business, you'd better get on board with it before you get left behind.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
And NetSuite by Oracle offers AI-powered tools that help small businesses improve improve efficiency, and make smarter decisions by bringing all their major business processes into one platform. That way there's one source of truth for the real-time data you need to take advantage of opportunities.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Then you can forecast better, scale more efficiently, and streamline those manual tasks that take too long. So join the more than 41,000 businesses, including Ramsey Solutions, that rely on NetSuite to help tackle some of their biggest challenges. And right now, you can download the CFO's guide to AI and machine learning at netsuite.com slash Ramsey. That's free at netsuite.com slash Ramsey.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
I hate to admit this, but I don't always eat right. I know, I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Okay, guys, I got big news. Aldi is now the official grocery sponsor of The Ramsey Show. Yeah, Ramsey is teaming up with Aldi, the grocery store that cares as much about saving money as I do. Get this, Aldi branded products save you up to 63% over similar name brand products at other stores.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
It's great quality and big savings on everything you need with no gimmicks, no membership fees or coupons required. See for yourself how Aldi is saving Americans across the country $8.3 billion a year. So stop paying more and start shopping at Aldi, where they have the lowest prices of any national grocery store. Find a store near you today at Aldi.us. That's A-L-D-I dot U-S.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Hey, folks, how would winning $5,000 in cash change your life? This month, we're giving $5,000 to one grand prize winner, and we're giving away a $500 prize every week in May. It takes less than 15 seconds to enter, no purchase is necessary, and you can enter daily to increase your chances of winning. Enter the Ramsey Cash Giveaway until May 31st at ramseysolutions.com slash giveaway.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
That's ramseysolutions.com slash giveaway.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Listen, guys, I've heard just about every excuse for why folks think they can't get ahead with money. So let's go ahead and settle this right now. You get the final say on what happens with your money. That's why you have to start telling your money where to go so you can stop wondering where it went. So if you're going to start winning with money, you have to get on a budget.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
The easiest way to get started and stick to it is with the EveryDollar Budget app. It'll help you make a plan for every single dollar coming in and every single dollar going out every single month. And guess what? It's free, so no excuses. Download EveryDollar in the App Store or Google Play today.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
brought to you by the EveryDollar app. Start budgeting for free today.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
Hey, listen up. Everyone is at risk of identity theft. I don't care if you're a hermit living off the grid listening to the show on a battery-powered radio. All of your data, collected by every company you've ever done business with, lives online. Your bank, your doctor's office, retailers, the apps on your phone, the gas station where you have loyalty rewards...
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
They all store your info online, making them ripe for a cyber attack or data breach. That's why I've been telling people for almost 25 years they need an ID theft protection plan, and the only one I've ever recommended is from Zander Insurance. They monitor your personal and financial info, even your home title, and take over the work if you become a victim.
The Ramsey Show
You Can’t Win with Money if You Keep Borrowing It
It's the most thorough and affordable plan out there. I even have it for my family and our entire team. Visit Zander.com or call 800-356-4282.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
This show is sponsored by BetterHelp. All right, you've heard me say it a thousand times and I'm going to keep saying it. You're worth being well. And listen, therapy can help. I see a therapist, and let's be honest, a lot of you should too. But let's be real. Taking that first step to see a therapist can feel overwhelming. Maybe it's the time.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Maybe you have some preconceived notions about therapy. Maybe it's the cost. But we spend money on gym memberships, organic groceries, essential oils, Little League practices, tracker watches. But for some reason, when it comes to our mental and emotional well-being, we hesitate. Listen, your mental and emotional health are just as important as your physical health. And the good news?
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
BetterHelp makes therapy more affordable and convenient than ever. Since it's online, you can talk with your therapist when it works for your schedule. No waiting rooms, no long commutes, and no six-month waiting lists. Just fill out a short online survey to get matched with a licensed therapist. And if it's not the right fit, you can switch at any time for no extra cost. Listen.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
Your well-being is worth it. Visit BetterHelp.com slash Deloney to get started. That's BetterHelp, H-E-L-P dot com slash Deloney.
The Ramsey Show
Face Debt Head-On Before It Destroys Your Family
My house shall be called the house of prayer, but you make it a den of thieves!
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I hate to admit this, but I don't always eat right. I know, I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my Field of Greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
It's Holy Week in Jerusalem. Crowds welcome Jesus as King. Rebellion is in the air. Jesus operates outside our jurisdiction. Rome will descend on us all. But instead of taking the throne, Jesus turns the tables.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
My house shall be called a house of prayer, but you make it a den of thieves.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
the world will never be the same. Coming soon to theaters, The Chosen Last Supper. Get your tickets now.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Everything above the nose, John and George. How's this day finding you?
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Excellent. I need some advice. We're going to tread a little bit carefully because I am trying my best to thread the needle with my mother-in-law. She keeps giving financial and career advice to my family, specifically my wife, that do not work for our family situation and really do not work in 2024.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I would think that you are probably correct. I am worried that my wife is going to listen to her mother. My mother-in-law was able to raise four children in the Midwest through the 80s and 90s without working. She, I don't believe, has ever worked a 40-hour-a-week job in her life. A couple of days helping out at this nursery school, a couple of days here.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Well, yes. Basically, all of the advice that she's giving involves things around we have two children under six. And it's comments along the lines of, you know, when both the kids are out of daycare, my wife works as a daycare teacher as well. When the kids are out of daycare, you can leave that job and just teach music lessons.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I make 60 an hour teaching music lessons, and that's great, but that doesn't make up for the income that we need in order to live where we do it. Okay, but here's the thing, James.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Yeah, and at this point we're having to have this conversation about every six to nine months or so, and I've tried showing my wife the math and that it does not work.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I think that she gets the impression that she is working to pay for daycare and nothing else, and that once the children are out of daycare that that need might disappear.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I think so. I think part of it may be a byproduct to that's the home environment that she was raised in, so she has seen it work, but that... I don't think is realistic or sustainable.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
My wife, no. She's a music teacher by trade.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I am a program director for a medium-sized nonprofit.
The Ramsey Show
Money Stress Isn’t Always About Money
As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.
The Ramsey Show
Money Stress Isn’t Always About Money
As a pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.
The Ramsey Show
Money Stress Isn’t Always About Money
So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you. Or visit TimothyPlan.com for more information. Investing includes risk, including possible loss of principal.
The Ramsey Show
Money Stress Isn’t Always About Money
Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.
The Ramsey Show
Money Stress Isn’t Always About Money
Hey guys, I'm Jade Warshaw and I want to talk to you for a second about student loan refinancing. Okay, if your payment and interest rate are burying you and you feel like you can't dig out, refinancing your student loan might make sense because a lower rate could help you free up more money in your budget and a shorter term could help you pay down your debt faster.
The Ramsey Show
Money Stress Isn’t Always About Money
So reach out to the student loan refinancing experts today at laurelroad.com slash Ramsey. There, you'll find helpful resources like a student loan rate table, a refinancing calculator and other tools. Plus, you can get an initial rate in just a few minutes. Laurel Road offers low competitive rates starting under 5%. You can even get your interest rate lower if you sign up for auto pay.
The Ramsey Show
Money Stress Isn’t Always About Money
If your situation is more complex, though, sign up for a free 30-minute consultation with one of their student loan refinancing experts to get your tough questions answered. Listen, not everybody should refinance their student loan. So make sure you run the numbers. But for some people, it's the right move.
The Ramsey Show
Money Stress Isn’t Always About Money
Learn more at laurelroad.com slash Ramsey to find out more about their student loan refinancing. That's laurelroad.com slash Ramsey.
The Ramsey Show
Money Stress Isn’t Always About Money
I hate to admit this, but I don't always eat right. I know I need to eat more fruits and veggies, but sometimes I just have to pound some chips because they taste so good. That's why I love my field of greens. It helps me eat healthy when I don't have much time. And each fruit and vegetable in Field of Greens was doctor selected for a specific health benefit.
The Ramsey Show
Money Stress Isn’t Always About Money
Heart, lungs, kidney, metabolism, even healthy weight. And folks, I ain't getting any younger. It's super easy to mix with water. And here is the great part of it. I thought it might taste like grass, but it tastes great. And only Field of Greens makes this promise. Your doctor will notice your improved health or your money back.
The Ramsey Show
Money Stress Isn’t Always About Money
So go to fieldofgreens.com slash Ramsey for 20% off your first order. That's fieldofgreens.com slash Ramsey to save 20% on your first order.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
Okay, here's the hard truth. Your investment dollars could be winding up in the pockets of companies that hold positions you don't agree with. People are unknowingly putting money into tech giants and household brands that don't match up with their core values. But here's good news. Timothy Plan is at the forefront of biblically responsible investing.
The Ramsey Show
Are You Ready To Go Scorched Earth on Your Debt?
That means Timothy Plan uses a strategy that lets investors chase competitive returns while staying rock solid in their beliefs. So if you're ready to invest with a clean conscience, it's time to check out Timothy Plan. Request information at timothyplan.com to learn more or contact your financial advisor today to see if Timothy Plan is right for you.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
There's a time in your life and the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Churchill is Ramsey trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense. Now it's extra money in your pocket.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
and an asset towards turning you into a Baby Steps millionaire. Get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Yes, I have. George, sketchy and never trust them.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Yeah, they do. Delete Me actually goes in and removes your information from data broker websites. And it is an incredible service that everyone needs.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
That's right. And then once they remove your information, then they're going to send you a detailed report telling you where they found your information, when they removed it, how many hours they've saved you. I mean, it is incredible. So detailed and it's beautiful.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Absolutely amazing. And Winston and I now get fewer texts, weird emails, spam calls, all of it.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
All right, Dave, you have some strong opinions.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Yeah, I think so. Okay, because you really prefer credit unions over big banks.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Yeah, absolutely. And I love that the things that we teach, they so line up with. And you're right, their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. Like the step-by-step approach was unbelievable. And then the next day my phone rings and it says Fairwinds on my phone.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
So I answered it. And talked to someone there and they said, yeah, they give calls to every new customer. And so again, they just really care about your experience. And I so, so appreciate that. Plus anything that you can do at a traditional branch, you can do with them at fairwinds.org or on their app. And you'll have free access to over 33,000 ATMs.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Yeah, you guys, it's so easy to join Fairwinds no matter where you live. So go to fairwinds.org slash Ramsey.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
Okay, you guys, 54% of Americans say it's a challenge to save on groceries without sacrificing quality. That's why I'm thrilled to tell you about Aldi. Aldi gives you simpler, better food choices that can save your family nearly $4,000 a year. From the daily essentials to organic produce, fresh meat, and more, Aldi has what you need at prices that won't bust your budget.
The Ramsey Show
It’s Time to Grow Up and Own Your Life
So stop paying more and start shopping smarter at Aldi, where you'll save with the lowest prices of any national grocery store. Find a store near you today at aldi.us. That's A-L-D-I dot U-S.
The Ramsey Show
It’s Time To Cut Debt out of Your Life!
As an investor and a person of faith, when your mutual funds and ETFs put your money into the dark side, you might feel a disturbance. Well, good news. Timothy Plan offers investments for people who want to be intentional about where their money goes.
The Ramsey Show
It’s Time To Cut Debt out of Your Life!
As the pioneering force in biblically responsible investing, Timothy Plan entered the investment space to offer clean alternatives to secular funds that invest in stuff you'd never willingly expose your family to. And for more than 30 years, Timothy Plan has offered mutual funds and ETFs that won't contradict your values or sabotage your faith.
The Ramsey Show
It’s Time To Cut Debt out of Your Life!
So if you're serious about investing with a clear conscience, Timothy Plan could be just what you're searching for. Contact your financial advisor today to see if Timothy Plan is right for you or visit timothyplan.com for more information. Investing includes risk, including possible loss of principle.
The Ramsey Show
It’s Time To Cut Debt out of Your Life!
Before investing, carefully consider a fund's investment objective, risks, charges, and expenses contained in the prospectus available at timothyplan.com. Read carefully before investing. Mutual funds distributed by Timothy Partners LTD and ETFs distributed by Foresight Fund Services LLC.
The Ramsey Show
It’s Time To Cut Debt out of Your Life!
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The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Hey, how's it going? Good, how are you? I'm doing all right. But starting off, so I'm a 22-year-old in Nashville currently. I'm originally from Indiana. I am living paycheck to paycheck as of right now, but I have every now and then I get like a little bit spare some money to put aside. And I'm trying to start my own two businesses.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
So my main question is, should I put that money aside and put it towards the businesses, or should I invest it in something else to get me and my old lady a house? Considering I have no credit card debt, I have no debt to my name, I have always paid cash for everything, I'm just trying to figure out what I should do.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Roughly about $1,200, I'd say, at the job that I'm at currently. My old job I made more, but I'm going back to that job at the end of this year. I'm going back to Indiana to go to that job.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Roughly, I mean, I made $1,200 a week, so I'll be making roughly $5,000 a month at that job.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
So the job that I took down here, it's actually the same job. It's a traffic flagging position. I'm not making years much money, and it's not union-based, so it's not like a laboring job, I guess.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Roughly, yeah. I mean, I'm not making much, and I don't know why.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Yeah, exactly. That's what I'm saying.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I'm actually in the current, I'm in the current of doing that right now. Okay. I'm in talks with my company.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Currently, no, I do not, because I had to use it to pay for bills whenever they came around, because I ran into an issue.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Yeah, no, I mean, I'm paying on a trailer, but it's not under credit. I have no credit at all. I don't have a credit line. I've always paid for cash.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Roughly $1,600 to a trailer dealership.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I already made it. I think it was like a $200 down payment. My first payment comes out next month.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Hi, thanks for taking my call.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Yep. So I'm age 31 and, uh, currently married, no kids yet, but that's coming up around the corner, maybe a year out. Um, I'm currently on baby step four, I've been saving for retirement and, um, had a luck of fortune or strike a fortune. Uh, in the past year, I've been investing in a brokerage account for a 401k and, uh,
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
That's a growing actually to just shy of a million dollars in the span of a year. Whoa. Really, really lucky. What are you invested in? COVID recovery and some technology growth. And I was very fortunate there.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Two years ago, it was about 50 or 60K.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
So being on Baby Step 4 and having this locked in a 401k account, I'm trying to understand how can I use this to looking forward ahead to Baby Step 5 and 6? It is still, you know, it's in a 401k account. I understand mathematically it makes sense to keep it in there, but psychologically using that net worth towards some freedom.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I'm curious on your thoughts there, what makes sense and when it makes sense to tap that resource.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
It was, and I've diversified that out to kind of lock in.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I'd say about 230K as well.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
That would be phenomenal. Absolutely. Yep. Okay.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
So me and my wife have been married for a year now. We're on baby step two. We're tackling her student loans. And then about three years ago, I bought a house from my aunt and uncle, and they were in some tax problems. They couldn't sign the house over to me.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I know. But so we've got two years left until they can – sign the house over to me, deed it over to me, and I will, right now, currently, I still owe them $60,000. And I'm just curious if I should sock that money away after I'm done paying student loans off and then just keep it in a bank. And then that way, two years from now, I can just, you know, deal's done.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I don't have to take a mortgage out. Or should I go into investing after we pay off student loans?
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Well, it wasn't on my... It's a handshake agreement? Yeah, pretty much.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Yeah, we did write something out that we all signed.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
So the way I justify it to myself is... Hey, can I just say right now?
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
And that's what I'll have to tell myself if something bad happens.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
No. So in two years, so they had to go to court with the IRS. The IRS said, fine, we're going to forgive everything. You cannot make any extra money for five years. So three years, and this was three years ago. So they had this house. I said, okay, well, I need a house. We agreed on a price, and I gave them some money down, and then I pay them a monthly payment.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
And at that five-year mark, the agreement is either I'll take out a mortgage to finish paying what I owe, or I'll have the money, or whatever it takes. And then they can deed it over to me.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
sure oh that makes it george okay hey it's just a national radio show what do i know okay so what is your question timothy uh if uh if i should sock what i owe them away into a savings account so when the day comes that they can beat the house to me i could just pay them off or uh should i be investing and then take out a mortgage you're talking about not paying them anymore
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
No, I would still make the monthly payment, but just put extra away every month.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
That would take about another three to four months.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
Okay. I could have all of the money in about 25 months. That includes student loans and the house, all in 25 months.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
I think so, yeah. We save about $5,000. Well, we pay about $5,000 a month now towards student loans.
The Ramsey Show
The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle
So we agreed at $105,000. I had a realtor out a few months ago and they put it at $248,000.