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The Ramsey Show

You Can't Build Wealth with Financial Chaos Around You

02 Jun 2025

Transcription

Chapter 1: Should I take back my car from my brother?

1007.196 - 1029.814 Caller

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.

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1029.854 - 1059.487 Caller

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.

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1060.408 - 1063.289 Jade Warshaw

Is he the saver or is he a spender?

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1064.634 - 1077.198 Caller

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.

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1077.438 - 1089.623 Caller

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.

1089.943 - 1091.143 Ken Coleman

I know you do.

1091.183 - 1095.845 Jade Warshaw

Jennifer, you know what? I'm going to say something to you and I hope you receive this with total love.

1095.865 - 1096.125 Unknown

I will.

1096.345 - 1108.164 Jade Warshaw

Okay. You are a force of nature. You're a storm. And I'm not saying that as in like negatively. I'm just saying.

Chapter 5: How do I manage financial chaos in my life?

4.187 - 7.81 Unknown

Brought to you by the EveryDollar app. Start budgeting for free today.

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12.574 - 32.953 Jade Warshaw

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.

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33.133 - 35.915 Caller

Thank you. I thought when you said fit, I thought you meant like swagged out.

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36.415 - 48.905 Jade Warshaw

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.

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Chapter 6: What are the Baby Steps for building wealth?

49.026 - 50.487 Caller

Thank you. It's a little collegiate vibe.

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50.667 - 55.651 Jade Warshaw

Yeah. I, on the other hand, will be doing push-ups in between segments just to get a little extra pump.

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55.922 - 58.503 Caller

Listen, you didn't hear it from me, but Kent Coleman's got a tricep.

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59.683 - 82.488 Jade Warshaw

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?

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85.208 - 91.093 Caller

Hi, I have a difficult decision to make and I wanted to see if I could get some advice.

91.373 - 91.733 Jade Warshaw

You can.

93.243 - 115.325 Caller

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.

117.418 - 150.531 Caller

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.

152.36 - 172.467 Caller

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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