The Ramsey Show
You Can’t Build a Life You Love While Carrying Everyone Else’s Burdens
Mon, 19 May 2025
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. John Delony and Jade Warshaw answer your questions and discuss: "I'm $350k in debt with a baby on the way," "Is it realistic to have a wedding for $10,000?" "My fiancée bought a home with her mother 20 years ago. How do we get her off the mortgage?" "My dad retired at 49 then asked me to lend him money to pay off his debt" "Does my girlfriend love me or just want to get married for citizenship?" Next Steps: ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. 💰Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! 💵 Start your free budget today. Download the EveryDollar app! Connect with our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 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! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
How can I manage $350,000 in debt with a baby on the way?
Okay. I guess what you're hearing Jade and I say, at some point, there's something's got to give, whether it's your living situation, whether it's she goes and gets another job, or it's you get another job. But at some point, you're going to have to look at your situation and say, we just keep talking about it, but we're doing the same thing over and over and over again. We're in the same spot.
What do you think, Jade?
In two minutes, I'm not 100% sold that you're done with law. I think you're a guy who's feeling really defeated and felt the weight of his debt, and it's really paralyzing right now.
All right, fair. Hopefully we can do this.
All right, Dave, you have some strong opinions.
Possibly, yeah.
I think so. Okay, because you really prefer credit unions over big banks.
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 credit. pricing. So you get better interest rate on savings, cheaper checking, and so on, that kind of thing.
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.
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