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The Ramsey Show

Make Decisions Based on Guidelines, Not Headlines

11 Mar 2025

Description

πŸ“ˆΒ Are you on track with the Baby Steps? Get a Free Personalized Plan Ken Coleman & George Kamel answer your questions and discuss: "My wife has been hiding credit cards from me," "I signed up a loan not realizing that the interest is 48%..." "Can I afford to buy a home?" "We make $130k and still overspend," "My company is getting hit hard by the tariffs," "My mother added me to her credit card. I've removed myself but what how do I get it off my credit report?" "I've fallen into the personal loan trap and I can't get out!" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp πŸ₯ Learn more about Christian Healthcare Ministries 🏑 Get started today with Churchill Mortgage πŸ”’ Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! πŸ₯— Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial πŸ’Έ To find out more about student loan refinancing, check out Laurel Road πŸ’» Visit NetSuite today to learn more πŸ—‚οΈ Use promo code RAMSEY for 18% off at The Nokbox πŸ’΅ Learn more about Timothy Plan πŸ› Get started with YRefy or call 844-2-RAMSEY πŸ” Visit Zander Insurance for your free instant quote today! Next Steps πŸ“±Β Watch the full episode for free in the Ramsey Network app. πŸ“ž Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Get organized and prepared to buy or sell a home.Β  β˜‚οΈ Get trusted insurance coverage that fits your budget. πŸ“– Preorder Build a business You Love today. πŸ’΅ Start your free budget today. Download the EveryDollar app! 🎟️ Get Tickets to the Money & Relationships Tour 🏘️ Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network πŸŽ™οΈ The Ramsey Show Β  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour πŸ’‘ The Rachel Cruze Show πŸ’Έ The Ramsey Show Highlights πŸ’° George Kamel πŸͺ‘ Front Row Seat with Ken Coleman πŸ“ˆ EntreLeadership Learn more about your ad choices.Β https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Audio
Transcription

Full Episode

0.209 - 12.996 Dave Ramsey

Hey guys, Dave Ramsey here. Me and Dr. John Deloney are coming to a city near you on the Money and Relationships Tour. It's happening soon, so don't wait. Get your tickets at ramseysolutions.com slash tour.

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28.14 - 55.284 Ken Coleman

This is The Ramsey Show, where America hangs out to have a conversation about your money, your profession, and your relationships. The phone number to jump in is 888-825-5225. I'm Ken Coleman, joined by my pal, the Natalie-attired George Camelazinger. Wow. All I could think of was, your profession is Ken's obsession. I think that's a good tagline. I like that. That's a great call.

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55.404 - 75.902 Ken Coleman

I want to help you make more money. I'm the work expert, if you're new to the Ramsey world. And that's what they say anyway. I don't like actually calling myself an expert. But I'll tell you what I can do. I'm going to help you figure out how to make more money in your work. So that George can help you with the budget. What do you do with that money? Pay it off debt, investing.

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76.442 - 94.613 Ken Coleman

And that's the one-two punch today. And we also think we're kind of funny. We try. We try to make this show enjoyable when we're together. We're going to give you the same advice, but we're going to have a little fun. So if you don't like that, I'm sorry. There's nothing you can do about it. That's Ken's way of saying kick rocks and pound sand if you don't like that. That's exactly right.

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94.653 - 101.195 Ken Coleman

Speaking of helping people, you ready to go? Let's go. Let's go to Zachary in Omaha, Nebraska. Zachary, how can we help today?

102.815 - 111.698 Zach

Well, long story short, we just found the Ramsey Show here about a week ago. Wow. Congratulations and welcome. Trying to get out of debt.

111.958 - 112.238 Unknown

Yeah. Yeah.

113.07 - 141.114 Zach

And as we were sitting down and going through getting our debt listed, smallest to biggest, to start the baby steps, I had found some debt that life's been hiding from me over and over again. Credit cards, mainly. How much? Well, we have one maxed out credit card for about $1,000. And the biggest disappointment is it's actually maxed out on McDonald's.

141.86 - 152.083 Zach

Because it was connected to her app, and we had gotten rid of, paid this credit card off twice since June. Thought we had gotten rid of it. She told me she had closed it out.

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