📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm scared my impulse buying will put my family in jeopardy," "Should I wait to pay off my credit card debt?" "Should I take out a HELOC and invest those funds?" "How do I get out of a $33k car loan?" "My mother-in-law stole $13k from us," "Do single people have a shot at purchasing a house?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp ◎ Get 10% off Byrna product bundles and more! 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📱Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💼 Connect with a RamseyTrusted tax pro for help with payroll and more 💵 Start your free budget today. Download the EveryDollar app! 📙 Check out George Kamel's Breaking Free From Broke today. 🪑 Check out Front Row Seat with Ken Coleman! Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Full Episode
This is the Ramsey Show, America. It's where we help you win with your money, win in your profession, and win with your relationships. Alongside the fabulous Jade Warshaw, I'm Ken Coleman. Phone number to jump in, 888-825-5225. 888-825-5225. You ready to roll? Let's rumble. Let's go. Eli is joining us in Dallas, Texas. Eli, how can we help?
How are you doing, guys? Thank you for taking my call. Man, I'm not even quite sure where to begin, but I seem to have a ginormous problem handling my finances. I am 27 years old with a wife and two kids and I have one on the way in July and I'm just kind of like up to my throat in stress on trying to figure out what I got to do to stay the course in trying to be debt free.
I've been a part of the show for about six months now. I even bought Dave Ramsey's The Total Money Makeover. And everything was going well. I had Baby Steps 1 working into 2. I had everything listed from smallest to largest, paying the smallest stuff off. And then right around the holidays, I kind of just fell off a cliff, started buying things I didn't need. And just recently, I got into a...
$2,100 purchase of headphones. What do you mean you got into it? I, uh, it did not take very much convincing to be truthfully honest. Um, I love, I love music and stuff like that. So it didn't take much convincing for me to buy them. Um, I was leading emotionally rather than thinking rationally. And that's when I kind of realized I've got a problem and I just, I cannot, um,
I just can't get out of it. Okay.
So let me ask a quick question, Eli, on this, because I love how vulnerable you're being. And I think you've nailed it. I think you've diagnosed what's going on, that you can't do this on your own. And so we're going to walk with you on this call.
But before we dive in deeper, I'm just curious, if you'd be willing to share from your gut, what do you think is the emotion that's driving all these impulse purchases for you? What do you think it is? How would you describe it?
I believe desire would probably be the best thing I can come up with. Just the sheer desire of wanting to get, you know, anything that I've always wanted, stuff that I didn't get when I was growing up.
Stop. There it is. So now we're going to go deeper for a second. Okay. You said desire, but it's actually something else. What do you think it is based on the fact that you didn't have it when you were a kid and now you want it? What is the deeper emotion? It's deeper than desire. What's driving the desire to get stuff? What do you think?
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