The Ramsey Show

What’s the Best Way for Me To Save Money? (Hour 3)

03 Mar 2023

Contributed by Lukas

George Kamel & Ken Coleman answer your questions and discuss:  Pursuing a career in a different city,  "Should I save with a CD?" "When is a good...

You Don’t Have Any Money! (Hour 1)

02 Mar 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: "Can we fly to see family while in Baby Step 2?" "Is my house too much of my net wort...

You Don’t Need a Credit Score! (Hour 2)

02 Mar 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: "Can I get manual underwriting after a foreclosure?" "Will cutting up my credit cards...

You Put a $12 Cocktail on Afterpay?! (Hour 3)

02 Mar 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: "How can I help an incarcerated family member and his family?" "Is renting a bad idea...

Is Dave's Money Advice Outdated? (Hour 1)

01 Mar 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "My husband has been giving his family money behind my back", Getting rid of whole...

My Husband Is Financially and Emotionally Abusive (Hour 2)

01 Mar 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "Should I pay off student loans first since they have no interest?" "My husband is...

I’m 15 & My Parents Are Charging Me Rent! Is This Legal? (Hour 3)

01 Mar 2023

Contributed by Lukas

George Kamel & Dr. John Delony answer your questions and discuss: "I’m 15 & my parents are charging me rent! Is this legal?" Why wealth won't solv...

Is Grad School Worth It? (Hour 1)

28 Feb 2023

Contributed by Lukas

Ken Coleman & Kristina Ellis answer your questions and discuss: "Should we pause retirement to pay off our house?" from the blog: When You Should S...

How Should I Use My Tax Refund? (Hour 2)

28 Feb 2023

Contributed by Lukas

Ken Coleman & Kristina Ellis answer your questions and discuss: "Should we pay off the house while we're expecting?"  How to use a tax refund, fro...

My Husband and I Don’t Trust Each Other With Money (Hour 3)

28 Feb 2023

Contributed by Lukas

Ken Coleman & Kristina Ellis answer your questions and discuss:  "Is it worth going back to school?" The Supreme Court hearing arguments about stud...

Don't Let Debt Steal Your Reality (Hour 1)

27 Feb 2023

Contributed by Lukas

John Delony & Jade Warshaw answer your questions and discuss: How to decide if you should rent or buy when moving to a new city, from the blog: Sho...

Aim For Progress, Not Perfection (Hour 2)

27 Feb 2023

Contributed by Lukas

John Delony & Jade Warshaw answer your questions and discuss: How to navigate life and business after cutting up your credit cards, from the blog: ...

You Can't Do Life Alone, But You Also Need Boundaries (Hour 3)

27 Feb 2023

Contributed by Lukas

John Delony & Jade Warshaw answer your questions and discuss: What to do as a church with massive mortgage debt, from the blog: The Church In Finan...

Don't Grow Weary In Doing Right (Hour 1)

24 Feb 2023

Contributed by Lukas

Ken Coleman & Jade Warshaw answer your questions and discuss: "Can I pause the Baby Steps to save for a car?" from the blog: When To Pause Your Deb...

Building Slowly Ensures A Solid Foundation (Hour 2)

24 Feb 2023

Contributed by Lukas

Ken Coleman & Jade Warshaw answer your questions and discuss:  What to do when you want to quit your full-time job and start a business, from the b...

We Slept On An Air Mattress For 5 Years! (Hour 3)

24 Feb 2023

Contributed by Lukas

Ken Coleman & Jade Warshaw answer your questions and discuss: "I was laid off and don't know if I want to stay in my engineering field" from the blo...

I Owe $13,000 In Taxes From My Side Hustle! (Hour 1)

23 Feb 2023

Contributed by Lukas

Rachel Cruze & Kristina Ellis answer your questions and discuss: When you should pause investing to pay off your mortgage, "I owe $13,000 in taxes f...

How To Stay Motivated With Your Life And Money (Hour 2)

23 Feb 2023

Contributed by Lukas

Rachel Cruze & Kristina Ellis answer your questions and discuss: "I want to buy a Corvette but I'm scared to pull the trigger and don't know what to ...

Your Debt Free Education Is Worth The Sacrifice (Hour 3)

23 Feb 2023

Contributed by Lukas

Rachel Cruze & Kristina Ellis answer your questions and discuss: The best ways to look for college scholarships, from the blog: How to Apply for Sc...

Should I Be Discouraged by the Returns on My Investments? (Hour 1)

22 Feb 2023

Contributed by Lukas

Kristina Ellis & George Kamel answer your questions and discuss: "I feel guilty being a working mom", "Should I be discouraged by the returns on my ...

My Wife Bought 5 Horses on Credit Cards (Hour 2)

22 Feb 2023

Contributed by Lukas

Kristina Ellis & George Kamel answer your questions and discuss: "We rent from our in-laws and they may be evicted soon" Getting finances on track a...

These Extreme Money Hacks Go Too Far… (Hour 3)

22 Feb 2023

Contributed by Lukas

Kristina Ellis & George Kamel answer your questions and discuss: "Should I go to law school debt free or buy a house?" Terrible, extreme ideas for s...

Should I Invest While I'm Still in Debt? (Hour 1)

21 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Does it ever make sense to invest while you're still in debt?" from the blog: When Y...

Should We Pull Money From Retirement? (Hour 2)

21 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "My job no longer aligns with my values", "Should I pull from retirement to pay off th...

Pay Off the House and Get Rich With Your Old House Payment! (Hour 3)

21 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "I have $400k in cash... should I pay off my house?" Setting up life insurance to go t...

Congrats, You Got Evicted From Hell! (Hour 1)

20 Feb 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:  What to do with a severance payout after a layoff, from the blog: What to Do if You...

Listen to Your Wife, She’s Smarter Than You Are (Hour 2)

20 Feb 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:  Struggling working the baby steps while building a house,  "Should I pay off my car...

How Can I Budget for a Small Business? (Hour 3)

20 Feb 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss around business and leadership: Budgeting for business, "When should we buy an office s...

You’re Literally Flushing Money Down the Toilet (Hour 1)

17 Feb 2023

Contributed by Lukas

Jade Warshaw & Rachel Cruze answer your questions and discuss: "Should we pause the baby steps to prepare for a baby?"  from the blog: Your Top De...

Amputate the Tesla! (Hour 2)

17 Feb 2023

Contributed by Lukas

Jade Warshaw & Rachel Cruze answer your questions and discuss: "I want a new job but I can't lose my insurance", Saving for a new home vs. paying do...

Living Life Without a Credit Score (Hour 3)

17 Feb 2023

Contributed by Lukas

Jade Warshaw & Rachel Cruze answer your questions and discuss: Getting an apartment without a credit score, from the blog: Living Without a Credit S...

Don’t Live in Fear, Take Control of Your Debt! (Hour 1)

16 Feb 2023

Contributed by Lukas

Kristina Ellis & Dr. John Delony answer your questions and discuss:   "Do I need to move to save money?"  "I'm drowning in debt and worried I'll l...

Are We Ready To Buy a House Right Now? (Hour 2)

16 Feb 2023

Contributed by Lukas

Kristina Ellis & Dr. John Delony answer your questions and discuss:   "Are we ready to buy a house right now?" Delony reacts to a study finding "Fi...

Is Higher Education Worth the Cost? (Hour 3)

16 Feb 2023

Contributed by Lukas

Kristina Ellis & Dr. John Delony answer your questions and discuss:   Getting momentum back after pausing the baby steps, "Is higher education wort...

Remember: It’s a Starter House Not a Dream House (Hour 1)

15 Feb 2023

Contributed by Lukas

Ken Coleman & Dr. John Delony answer your questions and discuss:   "I'm not sure what I want to do for a career", Saving for a starter home, and wh...

I Don’t Trust My Boyfriend With Money (Hour 2)

15 Feb 2023

Contributed by Lukas

Ken Coleman & Dr. John Delony answer your questions and discuss:   "Things that business leaders get wrong", "I don't trust my boyfriend with money...

Do Something Different Even if It’s Hard (Hour 3)

15 Feb 2023

Contributed by Lukas

Ken Coleman & Dr. John Delony answer your questions and discuss:   "My boyfriend wants me to move in with him", The effect of social media on kids,...

This Whole Thing Sounds Like a Mess (Hour 1)

14 Feb 2023

Contributed by Lukas

Dr. John Delony & Jade Warshaw answer your questions and discuss:   Dealing with a messy financial situation in a relationship, Mindset around weal...

I Feel Trapped When Discussing Finances in My Marriage (Hour 2)

14 Feb 2023

Contributed by Lukas

Dr. John Delony & Jade Warshaw answer your questions and discuss:   Renting a car without a credit card, "I feel trapped discussing finances in my ...

Don’t Get Sucked Into the Negative News Cycle! (Hour 3)

14 Feb 2023

Contributed by Lukas

Dr. John Delony & Jade Warshaw answer your questions and discuss:   "Should I pull from my retirement and pay off my vehicles?", Americans are feel...

I’m Not Happy at My Job and Want To Make More Money (Hour 1)

13 Feb 2023

Contributed by Lukas

Ken Coleman & George Kamel answer your questions and discuss:   I'm not happy at my job and want to make more money, The problem with a YOLO mental...

Should We Pay Off Debt or Invest? (Hour 2)

13 Feb 2023

Contributed by Lukas

Ken Coleman & George Kamel answer your questions and discuss:   "Should we stop investing while in Baby Step 2?", "Can my son be the beneficiary fo...

When should I start investing? (Hour 3)

13 Feb 2023

Contributed by Lukas

Ken Coleman & George Kamel answer your questions and discuss:   "Should I start investing at 14-years-old?", The affordability of a spouse staying ...

I Owe More on Student Loans Than My Mortgage! (Hour 1)

10 Feb 2023

Contributed by Lukas

George Kamel & Kristina Ellis answer your questions and discuss:   When to pay off medical debt, from the blog: How to Ease the Burden of Medical D...

If You Can’t Afford It, It’s Not a Dream Home (Hour 2)

10 Feb 2023

Contributed by Lukas

George Kamel & Kristina Ellis answer your questions and discuss:   "Do we rent in a bad area to save money?" Kristina's #FrugalFebruary challenge, ...

My Roommate Isn’t Paying His Share of the Rent (Hour 3)

10 Feb 2023

Contributed by Lukas

George Kamel & Kristina Ellis answer your questions and discuss:   "My roommate isn't paying his share of the rent", George & Kristina read song ly...

Should I Put 20% Down on My Home? (Hour 1)

09 Feb 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   "How should I think through caring for a father who drank himself into disability...

I Can’t Sleep Because of My Debt (Hour 2)

09 Feb 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   "I thought I would feel more peace in Baby Step 7", "I can't sleep because of my...

Don’t Be an Enabler When It Comes to Money (Hour 3)

09 Feb 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   "How can I help my in-laws who are being evicted?", "My mom keeps giving me mone...

10 Things You Need To Know About the Secure Act 2.0 (Hour 1)

08 Feb 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:   Selling stocks to pay off the house, Dealing with buyer's remorse on a recent house...

My Wife and I Disagree on How To Pay Off Debt (Hour 2)

08 Feb 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:   "Should we buy a house if we're moving soon?"  The best way to pull retirement fun...

HELOC vs. a New House/Mortgage (Hour 3)

08 Feb 2023

Contributed by Lukas

Dave Ramsey & George Kamel answer your questions and discuss:   "Should we empty savings to pay off the house?" Home improvement loan vs. new mortg...

How Can I Retire Early? (Hour 1)

07 Feb 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   The comfort crisis in America, Thinking through early retirement, from the blog...

Hot Water Heater Busted & My Emergency Fund Won’t Cover It (Hour 2)

07 Feb 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   "My hot water heater busted and my emergency fund won't cover it." from the blog...

How Do I Stay Motivated in the Baby Steps? (Hour 3)

07 Feb 2023

Contributed by Lukas

Dave Ramsey & Dr. John Delony answer your questions and discuss:   Staying motived on your debt-payoff journey, Selling an investment property, Pa...

Is the Money in My Savings Account Just “Melting Ice”? (Hour 1)

06 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss:   Dealing with family estate drama, When money in savings becomes like "melting ice",...

We’re Not on the Same Page and Considering Divorce (Hour 2)

06 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss:   "We're in a financial mess, what can we do?", Gilbert & Michelle pay off $113,417 i...

Pay Off the House or Invest More? (Hour 3)

06 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss:   "Should I invest less to pay more on my house?"  Getting rid of a car lease, Catc...

You Can Have Financial Security When Changing Jobs (Hour 1)

03 Feb 2023

Contributed by Lukas

Kristina Ellis & Rachel Cruze answer your questions and discuss:   The best way to pay off your house early, from the blog: How to Pay Off Your Mo...

College Is Worth It, Without The Loans (Hour 2)

03 Feb 2023

Contributed by Lukas

Kristina Ellis & Rachel Cruze answer your questions and discuss:   What to do when you don't have the motivation to finish your degree, from the bl...

You Don't Need To Buy A House, You're Broke! (Hour 3)

03 Feb 2023

Contributed by Lukas

Kristina Ellis & Rachel Cruze answer your questions and discuss:   How to pay a doctorate debt free, from the blog: How to Pay for College Without...

Stop Just Listening And Start Applying! (Hour 1)

02 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss:   How to handle business debt when tackling the Baby Steps, from the blog: Are Busin...

You're Limited By Your Own Mindset! (Hour 2)

02 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss:   How to make good long term decisions for your finances and career, from the blog: ...

It's Time To Stop Giving 70% (Hour 3)

02 Feb 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss:   When you should look for a new job because your boss won't give you a raise, How to...

What’s the Best Way To Buy My First Home? (Hour 1)

01 Feb 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss:   The best way to buy your first home. from the blog: Tips for First-Time Home Buyer...

I Co-Signed on a House w/ My Ex & She Owes the IRS $100k! (Hour 2)

01 Feb 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss:   "Should I buy a house and rent it out to my parents so they can move closer?" "I co...

How & Why Married Couples Should Combine Finances (Hour 3)

01 Feb 2023

Contributed by Lukas

Dave Ramsey & Rachel Cruze answer your questions and discuss:   "How can I teach my son about money when his biological father is terrible with mone...

Quit Spending & Get Your Stupid Butt Out of Debt! (Hour 1)

31 Jan 2023

Contributed by Lukas

Dave Ramsey & Kristina Ellis answer your questions and discuss:   How to maximize your retirement options, Wins from Kristina's #NoSpendChallenge, ...

Is the Government Really Going To Shut Down? (Hour 2)

31 Jan 2023

Contributed by Lukas

Dave Ramsey & Kristina Ellis answer your questions and discuss:   "How can I prepare for a government shutdown?" from the blog: What Is a Governme...

Over $200K in Debt and Don’t Know Where To Start (Hour 3)

31 Jan 2023

Contributed by Lukas

Dave Ramsey & Kristina Ellis answer your questions and discuss:   "We're over $200K in debt and don’t know where to start", from the blog: How ...

Your Life Will Suck if You Wait on the Government To Fix It! (Hour 1)

30 Jan 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Do I have a financial obligation to my adult daughter?", When to do house repairs, "...

QUIT Making Impulsive Decisions, You’re Going Broke! (Hour 2)

30 Jan 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: What to do with a home when you move, Why you're always going to be broke until you st...

Investing in Crypto = Gambling (Hour 3)

30 Jan 2023

Contributed by Lukas

Dave Ramsey & Jade Warshaw answer your questions and discuss: The best way to combine assets, Investing in crypto (and why you shouldn't), Moving f...

My Husband Told Me To Stop Spending Money but He Doesn’t Make Any! (Hour 1)

27 Jan 2023

Contributed by Lukas

Dr. John Delony & Rachel Cruze discuss: Caring for aging parents without enabling them. "Should I attack my student loans or just make the monthly p...

Should We Borrow Money From Family at 0% Interest? (Hour 2)

27 Jan 2023

Contributed by Lukas

Dr. John Delony & Rachel Cruze discuss: "Should we borrow money from family at 0% interest?" How to use money from a settlement, "Should we pay off...

Don’t Make Decisions Today That Your Future Self Will Hate (Hour 3)

27 Jan 2023

Contributed by Lukas

Dr. John Delony & Rachel Cruze discuss: Paying for college without scholarships, Funding an emergency fund with mutual funds, Renting while looking...

How Do I Become Financially Independent? (Hour 1)

26 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: "How do I become financially independent?", Paying off debt before buying a home, Sw...

I’m Afraid To Spend Our Savings (Hour 2)

26 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: "I'm afraid to spend our savings", Knowing what the best next step is for you, "Do I...

Wealth Is Best Built Slowly and Intentionally (Hour 3)

26 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: Paying your way through college, What to do with inherited property, Combining finan...

I Owe $32k on a Car Worth $18k! (Hour 1)

25 Jan 2023

Contributed by Lukas

George Kamel & Kristina Ellis answer your questions and discuss: Renting vs. buying a house, from the blog: Should I Rent or Buy a House? "I owe $...

Rent Keeps Going Up – Here’s What You Can Do About It (Hour 2)

25 Jan 2023

Contributed by Lukas

George Kamel & Kristina Ellis answer your questions and discuss: Rent prices are going up, What to do with a large settlement, The best way to tack...

The Underwhelming Math Behind Credit Card Points (Hour 3)

25 Jan 2023

Contributed by Lukas

George Kamel & Kristina Ellis answer your questions and discuss: Using credit card points to pay off a mortgage, Update on student loan provision in...

To Win With Money, Submit to the PROVEN Plan! (Hour 1)

24 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: Investing for retirement when you have no outlet through your employer, "Should I bu...

I Have $120,000 Buried in Tin Cans (Hour 2)

24 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: I have $120,000 buried in tin cans, How digital subscriptions can be death by a thou...

More Millennials Than Ever Are Living With Their Parents (Hour 3)

24 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: What to do with $500k in savings, Millennials living with their parents, "Should I c...

Is It Possible To Invest TOO Much? (Hour 1)

23 Jan 2023

Contributed by Lukas

George Kamel & Ken Coleman answer your questions and discuss: Catching up on retirement investing, Cashing out a 401(k), "Is it ever possible to in...

I Bought a Car at 24% Interest! (Hour 2)

23 Jan 2023

Contributed by Lukas

George Kamel & Ken Coleman answer your questions and discuss: Getting your budget dialed in, "I bought a car at 24% interest!", The insanity of re...

Should I Sell Investments To Pay Off Debt? (Hour 3)

23 Jan 2023

Contributed by Lukas

George Kamel & Ken Coleman answer your questions and discuss: Dealing with tax debt, "How picky should I be in my job search?" Credit scores and w...

Should I Leave My Toxic Job? (Hour 1)

20 Jan 2023

Contributed by Lukas

Ken Coleman & George Kamel answer your questions and discuss: When you should leave a toxic work environment, "Can I work multiple baby steps at onc...

I Can’t Seem To Stick to a Budget (Hour 2)

20 Jan 2023

Contributed by Lukas

Ken Coleman & George Kamel answer your questions and discuss: How to stick to a budget, What to do with an inheritance, "I feel stuck in the Baby S...

What the U.S. Hitting the Debt Ceiling Means for You (Hour 3)

20 Jan 2023

Contributed by Lukas

Ken Coleman & George Kamel answer your questions and discuss: Withdrawing from a 401(k), Preparing for a layoff, Choosing a higher-paying job vs. a...

Bonus Episode: Are You Ready to Build Wealth in 2023?

20 Jan 2023

Contributed by Lukas

The economy’s still crazy—and maybe you’re worried last year’s money stress will follow you into 2023. It doesn’t have to! Dave, George and ...

How Do I Start the Baby Steps? (Hour 1)

19 Jan 2023

Contributed by Lukas

Kristina Ellis & George Kamel answer your questions and discuss: Pulling from mutual funds to pay off debt, from the blog: Should I Use My Investmen...

Should I Still Be Investing While Paying Off Debt? (Hour 2)

19 Jan 2023

Contributed by Lukas

Kristina Ellis & George Kamel answer your questions and discuss: Getting out of a car lease, from the blog: How Does Leasing a Car Work? Update on...

Intentionality Is the Key to Winning With Money (Hour 3)

19 Jan 2023

Contributed by Lukas

Kristina Ellis & George Kamel answer your questions and discuss: "My wife thinks FPU is a scam", Helping a daughter decide on a career, "Should I r...

Don’t Make These Stupid Mistakes With Money (Hour 1)

18 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: How much to spend on a new vehicle, "We're having a hard time tracking expenses" fro...

I’m Scared To Only Have $1000 for Emergencies (Hour 2)

18 Jan 2023

Contributed by Lukas

George Kamel & Jade Warshaw answer your questions and discuss: "I'm scared to only have $1000 for an emergency fund" from the blog: Is a $1,000 Emer...

5 Things You Need To Know Before Filing Taxes (Hour 3)

18 Jan 2023

Contributed by Lukas

Jade Warshaw & George Kamel answer your questions and discuss: "Should I keep living with my parents or move out?" 5 things you need to know before ...

Stop Listening To Broke People! (Hour 1)

17 Jan 2023

Contributed by Lukas

John Delony & George Kamel discuss: How to get out of debt when you feel lost on your current career path, from the blog: How To Pay Off Debt "How...

What's The Price Of Your Soul? (Hour 2)

17 Jan 2023

Contributed by Lukas

Dr. John Delony & George Kamel discuss: How to take control of your life and your finances, What to do when gifts from family members come with stri...