The Ramsey Show

What Does “House Poor” Mean and Why Is It Bad? (Hour 1)

05 Jun 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:  Is Dave inconsistent about his views on debt in collections? "What does it mean to b...

Should We Be Worried About AI? (Hour 2)

05 Jun 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:  "Should we be panicked about AI?" "Should we sell our rentals to pay off our home?" ...

This Is the Fastest Way To Pay Off Debt (Hour 3)

05 Jun 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:  "How do I find a house without an HOA?" "How do I start paying off my debt?" "Shoul...

Don't Let Subscriptions Own You (Hour 1)

02 Jun 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss:  "Should I quit van life and sell my van to use as a down payment?", Jade & George s...

Ignorance Is Not Bliss, It's Broke! (Hour 2)

02 Jun 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss:  "Why should I pay off my mortgage instead of keeping money in my CD?",  "Should I ...

I'm Scared You're Falling For A SCAM! (Hour 3)

02 Jun 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss:  "I was told to pull from my 401(k) to let other people invest it for me. Is this a g...

That's Triple Stupid! (Hour 1)

01 Jun 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss:  "Can we afford to let my wife quit her job to be a stay at home mom?", Why going fu...

You Need A New Picture Of What Life Will Look Like (Hour 2)

01 Jun 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss:  Why you should always make sure you have the proper coverage for your vehicle and fa...

If You're Not Financially Ready, It's Not The Right Time (Hour 3)

01 Jun 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss:  "We're getting kicked out of my grandpa's retirement community and we don't know if ...

You Have To Beat Your Spending Addiction (Hour 1)

31 May 2023

Contributed by Lukas

George Kamel & John Delony answer your questions and discuss:  "How do I stay out of debt for good?",  from the blog: How to Pay Off Credit Card ...

How Can I Do All Of This AND The Dishes? (Hour 2)

31 May 2023

Contributed by Lukas

George Kamel & John Delony answer your questions and discuss:  "How do I explain to my wife that the risk isn't worth the reward with credit cards?"...

This Is REAL Bad! (Hour 3)

31 May 2023

Contributed by Lukas

George Kamel & John Delony answer your questions and discuss:  "Should I take out student loans so I can make a career change?",  "My husband keep...

He Doesn't Want To Pay His Fiancée's Debt?! (Hour 1)

30 May 2023

Contributed by Lukas

Jade Warshaw & John Delony answer your questions and discuss:  "How do we prepare to be on a single income?",  from the blog: How to Make a Budget...

It Takes Time To Build Trust (Hour 2)

30 May 2023

Contributed by Lukas

Jade Warshaw & John Delony answer your questions and discuss:  "How do I make a budget off commission?",  from the blog: How to Budget With an Ir...

You've Got A Willy Wonka Ticket To Your Future! (Hour 3)

30 May 2023

Contributed by Lukas

Jade Warshaw & John Delony answer your questions and discuss:  "Should I buy land to live in a camper during college?", 5 Signs That You'll Never B...

Our Favorite Calls of 2023 (Part 1)

29 May 2023

Contributed by Lukas

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be ba...

Our Favorite Calls of 2023 (Part 2)

29 May 2023

Contributed by Lukas

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be ba...

Our Favorite Calls of 2023 (Part 3)

29 May 2023

Contributed by Lukas

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be ba...

Higher Pay Doesn't Always Require A Degree (Hour 1)

26 May 2023

Contributed by Lukas

Ken Coleman & John Delony answer your questions and discuss:  "Should I go to college for business if I already have a business?" How you don't alw...

What Kind Of Boyfriend Have You Been To Debt? (Hour 2)

26 May 2023

Contributed by Lukas

Ken Coleman & John Delony answer your questions and discuss:  "How do I pay for college for 9 kids?",  from the blog: 10 Ways to Pay for College ...

You Don't Even Know What Page You're On! (Hour 3)

26 May 2023

Contributed by Lukas

Ken Coleman & John Delony answer your questions and discuss:  "How do my wife and I get on the same page with our spending habits?", What to do whe...

Quit Playing Footsie With the Brokerage Funds! (Hour 1)

25 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "My fiancée's father unfairly put a lien on her car", Saving for retirement on a...

How Pain Deferred Is Actually Pain Amplified (Hour 2)

25 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "How can I help my foster son make better financial decisions?" Why the pause on ...

Your Husband Is Acting Like a Selfish Five-Year-Old! (Hour 3)

25 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "My husband spent $2k on golf clubs behind my back", Dealing with a gambling addi...

Quit Running a Race With Ankle Weights On – Pay Off Your Debt! (Hour 1)

24 May 2023

Contributed by Lukas

Dave Ramsey & Ken Coleman answer your questions and discuss:  "My wife and I disagree about what to do with profits from a rental", "I'm 16-year-ol...

How AI Is Going To Change the Way We Work (Hour 2)

24 May 2023

Contributed by Lukas

Dave Ramsey & Ken Coleman answer your questions and discuss: "Should I study software engineering even with advancements in AI?" "Where should I kee...

You’re Not Scared Enough of Your Debt Yet (Hour 3)

24 May 2023

Contributed by Lukas

Dave Ramsey & Ken Coleman answer your questions and discuss:  "I'm doing the work of 2 people and feel like I deserve a raise..." "Can I buy a car ...

Don’t Do the Baby Steps Out of Order – They Work This Way! (Hour 1)

23 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: "How much should we save for a future home?"  "What should we do with our tax return?...

Are Dave’s 2023 Real Estate Prediction Coming True? (Hour 2)

23 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: "I'm $500k in debt after buying a farm", How Dave was right about his 2023 real estate...

We Can’t Seem to Make Ends Meet (Hour 3)

23 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss:  "Should we sell our house to make ends meet?" Whether or not an adult child should p...

Jordan Peterson on the #1 Thing People Should Focus On (Hour 1)

22 May 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:  Repairing a car vs. replacing it, from the blog: Is Your Car Worth Repairing? Or Sho...

Dave’s Feelings About Modern Day Tipping Culture (Hour 2)

22 May 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss: "I'm bitter after my husband took out a HELOC", Dave's thoughts on modern tipping cult...

Becoming a Millionaire Is Possible and Anyone Can Do It! (Hour 3)

22 May 2023

Contributed by Lukas

Dave Ramsey & George Kamel interview millionaires to find out how they did it! Support Our Sponsor: Neighborly Have a question for the show? Call 88...

I Overspent on a Car Behind My Wife’s Back (Hour 1)

19 May 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "Should I quit my high paying job that requires travel?" Making fun of finance gur...

I’m in Debt & Reddit Told Me To Call The Ramsey Show... (Hour 2)

19 May 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "Help! I'm in debt and Reddit told me to call Dave Ramsey..." What to do after you...

Stop Coming Up With Schemes To Get Your Way! (Hour 3)

19 May 2023

Contributed by Lukas

George Kamel & John Delony answer your questions and discuss:  "My wife doesn't trust me with our finances", What having financial freedom can pro...

The Best Side Hustles To Make Extra Cash Right Now (Hour 1)

18 May 2023

Contributed by Lukas

George Kamel answers your questions and discusses: "How do I prepare to move out on my own?" Pausing Baby Step 2 during lower income periods, Finan...

I’m Caught in the Cycle of Debt With $140 to My Name (Hour 2)

18 May 2023

Contributed by Lukas

George Kamel answers your questions and discusses: Getting out of the credit card trap, "Should I pay off all my debt before buying a house?" "What...

Why You Should Avoid the “Gold Bros” (Hour 3)

18 May 2023

Contributed by Lukas

George Kamel answers your questions and discusses: "Does everyone need life insurance?" What to do after selling a business, Why you should stay aw...

How Do I Start Investing Well? (Hour 1)

17 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: How do I start investing my money well? Paying for grad school, Employee stock purcha...

QUIT Making Yourself a Victim of Inflation Using Debt! (Hour 2)

17 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: Should we buy a bigger house or use a HELOC to add on?" "What should I do with an old ...

Pulling Out Your Retirement for a Home Reno Is DUMB! (Hour 3)

17 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should I go to law school and if so how should I pay for it?" How much buffer to keep...

Handling Messy Money Situations (Hour 1)

16 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: "We called off our engagement. How do I handle the bills?"  Working the Baby Steps af...

How the Debt Ceiling Affects Your Money (Hour 2)

16 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: Why it's hard to pay off debt if you don't combine finances in marriage, How the debt ...

Are CDs a Good Investment in This Market? (Hour 3)

16 May 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss: "Can I afford to be a stay-at-home mom?"  Teaching a 16yo about handling their money,...

Your Plan Sucks… I Don’t Want To Be Insulted by Your Abject Failure (Hour 1)

15 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Can I be a stay-at-home mom with $240k of debt?" Why you shouldn't take your time get...

Should We Buy an Investment Property Right Now? (Hour 2)

15 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should we buy an investment property before our own home?" "I feel guilty spending mo...

Should We Sell Property We Bought With a HELOC? (Hour 3)

15 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: Updating your home and investing, "Should we sell property we bought with a HELOC?" "...

I’ve Had Enough of My Debt and I’m Ready for a Change! (Hour 1)

12 May 2023

Contributed by Lukas

Dr. John Delony & George Kamel answer your questions and discuss: "I'm in debt and just lost my job", "My house is a money pit; what can I do?" "Sh...

When It Comes to Building Wealth, Be the Tortoise, Not the Hare (Hour 2)

12 May 2023

Contributed by Lukas

Dr. John Delony & George Kamel answer your questions and discuss: "We're out of work and our creditors won't work with us" "What's the best way to b...

A Crappy Situation Involving a Septic System & a HELOC (Hour 3)

12 May 2023

Contributed by Lukas

Dr. John Delony & George Kamel answer your questions and discuss: "I feel resentful of my husband", "Should I get a HELOC for a new septic system?" ...

Are Tipping Screens Emotional Blackmail? (Hour 1)

11 May 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "Should I move back in with my parents to go to school?" Tipping screens on self-...

Paying Off Your House Is a Great Forced Savings Plan (Hour 2)

11 May 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "Should we still pay off our house if we're planning to move?" from the blog: How ...

My Employer Requires That I Use Credit Cards (Hour 3)

11 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   "My employer requires that I use credit cards", "Sell a paid off vehicle to pay ...

Here Are the Facts About the Bank Failures (Hour 1)

10 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: "Should I move to be closer to my son?"  Here are the facts about the bank failure...

Pay Off My House Early Even if I Have a Low Interest Rate? (Hour 2)

10 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: Teaching kids to manage money well, "Should I pay off my house early even if I have...

You Can’t Change Your Relative’s Mind (He’s a Professional Doob) (Hour 3)

10 May 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: "Should I buy into my company?" Dealing with a relative who is aggressively pro-deb...

Can We Afford an Investment Property? (Hour 1)

09 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "We're $900k in debt", "When can we afford to buy a third rental?" from the blog: Ho...

When Does It Make Sense To Refinance Your Mortgage? (Hour 2)

09 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: Helping an adult child with emergency medical bills, Knowing when it makes sense to re...

Navigating Money and Family (Hour 3)

09 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should my brother take over dad's finances?" A high school senior who breaks U.S. rec...

What the Fed Raising Rates Means for Your Money (Hour 1)

08 May 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss: Saving for a house during the Baby Steps, from the blog: How to Save for a House, Go...

How To Budget on Irregular Income (Hour 2)

08 May 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss: "Can I use a HELOC as my primary mortgage?"  How to budget commission checks, from t...

I Make Six-Figures but Live Paycheck-to-Paycheck (Hour 3)

08 May 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss: "I make six figures and live paycheck-to-paycheck", "Should we take higher-paying jobs...

Should We Sell Our House and Live in a Camper? (Hour 1)

05 May 2023

Contributed by Lukas

George Kamel & Rachel Cruze answer your questions and discuss:   "I feel guilty about my line of work; should I look for another job?" "Should we s...

Why Home Ownership Will Make You Wealthy (When You’re Ready) (Hour 2)

05 May 2023

Contributed by Lukas

George Kamel & Rachel Cruze answer your questions and discuss:   "What should I do with inherited homes?" Why home ownership will make you wealthy ...

How Do I Get Started Investing and Building Wealth? (Hour 3)

05 May 2023

Contributed by Lukas

George Kamel & Rachel Cruze answer your questions and discuss:   "Should I increase my emergency fund for inflation and potential layoffs?" "How do...

I Feel Guilty Spending Money Even Though We’re Debt-Free (Hour 1)

04 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I take a partial lump sum when I retire?" "I'm debt free but feel guilty spend...

Are You Going To Lose Your House Over a Steak You Put On Credit?! (Hour 2)

04 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "How do I set myself up for success?" Stay away from the new Aven credit card (aka HEL...

This Is an ADD Plan… You Need To Focus! (Hour 3)

04 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I go directly into business or get a degree first?" Why you need to slow down ...

Tips for First-Time Home Buyers (Hour 1)

03 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "What should I do with $100k in savings?" Tips for first-time home buyers, "Do I make...

Investing To Be Able To Retire Early (Hour 2)

03 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "I lost my dream car on a game show!" "How should I invest if I want to retire early?"...

It’s Not a Dream Car if You Have To Go Into Debt for It (Hour 3)

03 May 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Is a 529 always the best option?" "Should I go into debt to buy a car?" "How can we ...

Are We Heading Toward a Recession? (Hour 1)

02 May 2023

Contributed by Lukas

Rachel Cruze answers your questions and discusses: "Should we put money into my father's house or save for our own house?" "How should I budget mone...

Real Estate Investing Is Hard Work, Not “Passive Income” (Hour 2)

02 May 2023

Contributed by Lukas

Rachel Cruze and her husband, Real Estate expert Winston Cruze answer your questions and discuss: How real estate investing is awesome but it's not "...

What if My Loans Have 0% Interest? (Hour 3)

02 May 2023

Contributed by Lukas

Rachel Cruze answers your questions and discusses: "Should we buy land before or after leaving the military?" Paying extra on the house vs. saving f...

The Compounding Effects of Borrowing Money (Hour 1)

01 May 2023

Contributed by Lukas

Jade Warshaw & Rachel Cruze answer your questions and discuss: "How do I start my first budget?" Why BNPL has a compounding effect of stupid, "Can ...

Jade & Rachel Share Their Own Personal Budget Busters (Hour 2)

01 May 2023

Contributed by Lukas

Jade Warshaw & Rachel Cruze answer your questions and discuss: "Should we pull from retirement to pay off the house?" Why you shouldn't get a loan t...

What To Do When You Feel Stuck in Debt (Hour 3)

01 May 2023

Contributed by Lukas

Jade Warshaw & Rachel Cruze answer your questions and discuss: "Should I leave my teaching career?" "Should we move to a different school district f...

Get Out of Debt Fast, Get Rich Slow! (Hour 1)

28 Apr 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: Struggling to get ahead working the baby steps, Why you should get out of debt quick,...

Beware of “Debit” Cards That Claim To Build Credit (Hour 2)

28 Apr 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: "I'm drained and hate my job... can I afford to quit?"  "Should I pay off my car lea...

What We Can Learn From an Angry Morgan Wallen Fan (Hour 3)

28 Apr 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: "Should I get variable universal life insurance?" from the blog: Everything You Need...

Do You Want To Be King of the AirBnB or Have a Peaceful Life? (Hour 1)

27 Apr 2023

Contributed by Lukas

Dave Ramsey & Ken Coleman answer your questions and discuss: Keeping or selling rental property, "Should I use a Robo or A.I. investor?" from the b...

Gold Is Just a Rock That’s Yellow, Not an Investment (Hour 2)

27 Apr 2023

Contributed by Lukas

Dave Ramsey & Ken Coleman answer your questions and discuss: "I'm paying my parents a mortgage payment and it's uncomfortable", "Should I invest in ...

Why Is It So Hard To Hire Right Now? (Hour 3)

27 Apr 2023

Contributed by Lukas

Dave Ramsey & Ken Coleman answer your questions and discuss: "Is our business ready to hire an apprentice?" "How do I get my team to have a sense of...

You’re Immune to Socialism if You Don’t Borrow Money! (Hour 1)

26 Apr 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss: "Should I pay off my house or keep the mortgage?"  from the blog: How to Pay Off Your...

How Do I Pay for Unexpected Expenses? (Hour 2)

26 Apr 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss: Paying for emergency medical bills, "Should I mortgage my rental properties?" "How do...

Don’t Believe the Lies, You CAN Become a Millionaire (Hour 3)

26 Apr 2023

Contributed by Lukas

Dave Ramsey & George Kamel interview millionaires to find out how they built wealth! Support Our Sponsor: Neighborly Have a question for the show? C...

Should We Keep Making Aggressive Mortgage Payments? (Hour 1)

25 Apr 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: Refinancing vs. making aggressive mortgage payments The importance of insurance, "...

What Should We Be Saving Up For? (Hour 2)

25 Apr 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: " I feel bad for spending on our wedding" Saving for college vs. paying off the ho...

Finding a Well-Paid Side-Hustle (Hour 3)

25 Apr 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: Preparing for an upcoming settlement, "Should we use 529 to pay for private school ...

How Do I Build Wealth for Retirement? (Hour 1)

24 Apr 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "My friends want me to go into business with them", "The best way to save for a house"...

We’re in a Financial Mess… (Hour 2)

24 Apr 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "We're in a financial mess, what can we do?" "Should I use a debt consolidation loan?"...

What To Do When the Renters Don’t Pay (Hour 3)

24 Apr 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I invest less to pay more on my house?" "Renters stopped paying rent; is this ...

It’s Impossible To Borrow Your Way Out of Debt (Hour 1)

21 Apr 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: "I can't afford my apartment and don't know what to do",  Why John Cena's daily driv...

There’s a Glaring Problem in Your Budget (Hour 2)

21 Apr 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: "Should we get a prenup?" "I'm scared to have $1000 emergency fund", The bleak finan...

The New Federal Housing Rule Rewards Financial Irresponsibility (Hour 3)

21 Apr 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: "I feel overwhelmed trying to save for retirement", The new federal housing rule that...

I’m Begging You Not To Do This! (Hour 1)

20 Apr 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: "Should I move after losing my job?"  Taking out a HELOC for a downpayment, "Shou...

How Taylor Swift Saved Herself From a Massive Crypto Lawsuit (Hour 2)

20 Apr 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: Taylor Swift was the only celebrity to walk away from an FTX endorsement deal, "My ...

This Dream Will Become a Nightmare (Hour 3)

20 Apr 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss: "What kind of loan should I use to buy a piece of property?" "Student question: How...

Don’t Let Your Inner Drama Queen Control Your Investing! (Hour 1)

19 Apr 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I buy a backup vehicle for my job?" "Taking out a HELOC to repair the roof", ...