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The Ramsey Show

The Road to Financial Freedom Begins With Hard Choices

16 Jan 2025

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πŸ’³ Share your thoughts and you could WIN a $500 Gift Card! πŸ’Έ Start taking control of your money in 2025 at our free livestream Rachel Cruze & Dr. John Delony answer your questions and discuss: "Should I re-home my dog to pay off debt?" "How do we start saving for retirement?," "We don't want to get married," "Is it time for us to move out of California?" "My parents asked me to loan them 50k so they could put a down payment down on a house" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp β—Ž Get 10% off Byrna product bundles and more! 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 πŸ’Έ Learn more about opening a high-yield savings account with 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 Listen to 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! πŸ“ˆΒ Are you on track with the Baby Steps? Get a Free Personalized Plan β˜‚οΈ Get trusted insurance coverage that fits your budget.Β  πŸ’΅ Start your free budget today. Download the EveryDollar app! πŸ’ͺ Invest with confidence! Get tickets to Investing Essentials 🏘️ Free Tools & Resources to Reach Your Home Goals πŸ’°Watch 90-Day Money Makeover. 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 πŸ’Ό The Ken Coleman Show 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

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Transcription

Full Episode

14.966 - 31.381 Dr. John Deloney

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships. I am Rachel Cruz, hosting this hour with my good friend and host of The Dr. John Deloney Show, as well as bestselling author, John Deloney.

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31.641 - 52.508 Dr. John Deloney

deloney and so we are here to answer your questions life money career relationships anything and everything so give us a call at 888-825-5225 up first we have sierra in cincinnati hey sierra welcome to the show hi hello hello how can we help

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53.929 - 80.357 Sierra / Michaela

Yes, I was just calling to inquire. I've been recently addicted to listening to the show, and so I'm wanting to pay down debt and get into a position to invest more. So I had a question in regards to if I should possibly rehome my dog, even though I don't want to, to get out of dog boarding fees when I'm traveling for work.

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81.275 - 93.438 Dr. John Deloney

Oh, no. Okay. Most people listening like their dogs more than any people in their life. Sierra, how often are you traveling? I'm sorry? How often are you traveling?

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94.372 - 109.588 Sierra / Michaela

Um, so with my new job, I travel a little less than I did before. Um, so probably it just goes with the storms, um, potentially like five to six months out of the year. And I'm usually gone from like 10 to 14 days at a time.

110.029 - 116.836 Dr. John Deloney

Okay. And what's the, what's the boarding situation? Are you going to like an actual border or do you have someone come and, and pets it?

117.858 - 132.082 Sierra / Michaela

So I have a sitter now that's pretty consistent and look at my bank did at like a overview of all my spending and for my dogs, I spent about $10,000 last year.

132.102 - 137.664 Dr. John Deloney

Oh wow. Yeah. If you're going half the year, I mean,

139.622 - 144.283 Sierra / Michaela

How long have you had the dog? Or should I like maybe talk to my sitter to try to see if we can negotiate something?

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