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The Ramsey Show

Stick to the Plan Even When It’s Tough

16 Apr 2025

Description

πŸ“ˆ Are you on track with the Baby Steps? Get a Free Personalized Plan πŸ“± Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "A company wants to use my land for a solar farm. What questions should I be asking them?" "Should we pay off my girlfriend's student loans or my mortgage first?" "Is it necessary to at some point get a credit card? My mom says it is, but I want to think otherwise," "I'm trying to follow the Baby Steps and it's not working. What am I doing wrong?" "My wife feels like our budget is too restrictive. How do we figure out how much fun money to have?" "I have a high income but a lot of debt. Should I pay off commercial debt or personal debt first?" Next Steps: βœ… Help us make the show better by taking this short survey! πŸ“ž Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.Β  🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today πŸ›’ Get your copy of Build a Business You Love today! πŸ’΅ Start your free budget today. Download the EveryDollar app! Connect with our Sponsors: πŸ›’ Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp πŸ“±Go to Boost Mobile to switch today! 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 πŸŽ₯ Get your tickets for The Chosen Season 5! 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! Explore more from Ramsey Network: πŸ’Έ The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour πŸ’‘ The Rachel Cruze Show πŸ’° George Kamel πŸͺ‘ Front Row Seat with Ken Coleman πŸ“ˆ EntreLeadership Learn more about your ad choices. Visit megaphone.fm/adchoices

Audio
Transcription

Full Episode

0.229 - 34.605 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. Brought to you by the EveryDollar app. Start budgeting for free today. Live from the headquarters of Ramsey Solutions, it's The Ramsey Show.

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35.74 - 62.095 Dave Ramsey

We help people build wealth, do work that they love, and create actual amazing relationships. Jade Walsh, our Ramsey personality, is my co-host today. Thank you for joining us, America. We're glad you are here. The phone number is 888-825-5225. You jump in, and we'll talk to you. Abigail's in Portland, Oregon. Hey, Abigail, how are you?

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63.34 - 96.549 Caller

good morning jade and dave so such a pleasure to talk with you thank you so much sure how can we help well i am 70 and working a great deal um trying very hard to make it possible to retire by 80. um recently so this last year i've had two offers from a company that would If I followed those, they would probably make it possible for me to retire within a few years.

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97.99 - 121.662 Caller

But I feel a need to really please this company. And I'm not sure how to go about that, to be real thorough and making sure I'm not going to get myself into a big pickle. Another thing is that my husband would never approve of this. very poor health and doesn't expect to live long.

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121.682 - 123.683 Dave Ramsey

What are we talking about? What are we talking about?

124.843 - 143.768 Caller

This is a company that establishes solar farms, um, across the nation and they pay a good rate of rent for your acreage and they, and, uh, and you had two different offers from the same company.

144.136 - 149.557 Dave Ramsey

Mm-hmm. Okay. And this is basically they want to lease the land for 15 years, right?

151.078 - 152.278 Caller

For 30 to 40 years.

152.298 - 178.013 Dave Ramsey

30 to 40 years. Okay. All right. I've looked at these deals. I've had some friends that had some that were a little bit older than you, and the – Only question in the deal is twofold. Number one, you've got to make sure the company is solvent in the event that they're strong financially, in other words.

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