📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Jade Warshaw and Ken Coleman answer your questions and discuss: "Should I take back my car from my brother?" "Can we make our relationship work with financial differences?" "Crazy manipulative" dad expects son to pay him $2,800 a month, "Sell rental houses to invest in bitcoin?" "I threatened the credit card companies and now I'm scared" 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. 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home. 👩❤️💋👨 Get tickets for Money & Marriage Getaway. 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 Use code RAMSEY to save 20% at Mama Bear Legal Forms 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
Chapter 1: Should I take back my car from my brother?
No, I do not have any games. I am so busy. I actually run two businesses. I'm busy. I'm hammering this stuff out. And I'm just tired. I'm sick and tired of being sick and tired. And I keep going, okay, we got this. We're doing this again. We're doing more. We're doing that. And I'm like... okay, I'm only going to do this this last time. I'm done. I'm going to be smarter.
I'm not getting into debt again. This is so stupid. Well, it's your husband, too.
It's your husband, too.
Where does he fall in all this? He's very passive, but he goes, like, it's... I'm more of a go-getter. I'm more high energy. He's more chill, but he's very loyal to his job. He's only had two jobs his whole life. So he's pretty more calm and collected. We're definitely opposites.
Is he the saver or is he a spender?
No, he's very frugal. And unfortunately, I don't know, I'm a little bit disappointed, but it's my fault too. I can't have him in control of... You know, I wish he would put his foot down.
You're driving the spending and you need him to say, you need him to be strong when you're not to be like, hey, Jennifer, we're not doing that. And he's, you can't depend on him for that right now. That's what it sounds like. Yeah, I run the show.
I know you do.
Jennifer, you know what? I'm going to say something to you and I hope you receive this with total love.
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Chapter 5: How do I manage financial chaos in my life?
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This is the Ramsey Show, where America hangs out to have a conversation about their money, their profession, and their relationships. And we're so glad you've joined us alongside the fabulous, incomparable, and Very fit. Jade Warshaw, ladies and gentlemen. I'm Ken Coleman. Good to be with you. Guns out today.
Thank you. I thought when you said fit, I thought you meant like swagged out.
Well, you take it to what it means. I'll take it. I just know that you're on Instagram talking about your workout. I know you're working out. You got a trainer and you show up today with the sleeveless sweater vest and it needs to be called out because you're pulling it off. Thank you.
Chapter 6: What are the Baby Steps for building wealth?
Thank you. It's a little collegiate vibe.
Yeah. I, on the other hand, will be doing push-ups in between segments just to get a little extra pump.
Listen, you didn't hear it from me, but Kent Coleman's got a tricep.
I'm telling you. Just one. Just one. A single tricep. It's very exciting. 888-825-5225 is the phone number. You can tell we like being together because we enjoy coaching people. And so Jay's going to help you keep the money. I'm going to help you make some money. That's our combo tag team today. We start off with Carmen in Tampa, Florida. Carmen, how can we help?
Hi, I have a difficult decision to make and I wanted to see if I could get some advice.
You can.
It's a financial decision until about four years ago. I helped my brother go through, you know, I helped him move into my home, never charged him anything. And I helped him get a car under my credit that he pays. My financial situation has changed a lot since. And we went from being a family that was making over $400,000.
A year to half of that this year because my husband made a change in careers that will end up paying off and it will be a life-changing move. But for now, it is not. So we had to move, and now we want to purchase a home. But when we went through the process of getting approved, the person that went through our debt said, you need to get rid of this debt and pay it off, among others.
And I went to my brother. Right now, he's fully recovered. It's been four years. He has stocks. He has CDs. He has a full retirement. He makes commissions and is living a good life. And he basically said, no, I'm not going to take that off on my credit, and I'm not going to pay off the car.
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