Rachel Cruze & Dr. John Delony answer your questions and discuss:
"Should we buy long-term care insurance?"
"How do we deal with a setback in our budget?"
"Should we wait to move for a new job?"
"When do I stop investing?"
"I don't know where our money is going,"
"Can we pause investing to grow our business?"
"Does it make sense for us to combine finances?"
"How do we best leave real estate to our kids?"
"Grieving a cancer diagnosis,"
"Paying off debt while still in school,"
"We aren't getting the promised solar tax breaks,"
"Should I use a debt consolidation loan?
Ken Coleman & George Kamel answer your questions and discuss:
"15% to retirement is too much for our budget,"
"How do I pay my bills after losing my job?"
"What's the best way to combine finances?"
"How do we get started investing without risk?"
"What should I do with money from a lawsuit?"
"We disagree about our rental property..."
"Should I focus on pay or finding my calling?"
"What's the best way to tackle my student loans?"
"Should I sell my car?"
"Should I buy rental property with my family?"
"Does funding asbestos removal count as an emergency?"
"Would it be smart to sell our house?"
"How do I budget for unexpected issues?"
"Should I buy my parents' house?"
"What's my next step to find my dream job?
Ken Coleman & Rachel Cruze answer your questions and discuss:
Why combining money before you get married is a bad idea
"Is my wife a princess for not wanting to work?"
"Preparing to take on my girlfriend's debt?"
"Am I being too stingy with vacations?" (Yes)
"My lifestyle is completely unsustainable..."
"Am I being irresponsible?"
"Buy a home if it will double my housing cost?"
"What should I do with my increased income?"
"Can I use my emergency fund for daughter's quinceañera?"
"How do I get ahead when my income is so low?"
"Should I keep my whole life insurance?"
"Should I move out of my parents' house?"
"Sell rentals and primary to buy our dream home?
Jade Warshaw & Rachel Cruze answer your questions and discuss:
"Should I pull from my 401(k) to pay off debt?"
"What's the best way to pay off my truck?"
"How should I save money for the future?"
"Can we afford to stay in our current apartment?"
Living paycheck-to-paycheck,
"How can we fix our finances?"
"Scammers are after my father, what can I do?"
"We hate the house we bought,"
"How do I start investing?"
"Should we give Christmas gifts to teachers?"
"Should we pay off our house before investing?"
"Pay off debt before buying more rentals?"
"Should I drop my car insurance?"
"Pay off debt before buying more rentals?
Rachel Cruze & Jade Warshaw answer your questions and discuss:
"Should I take out a loan from a family member?"
"Should I have more than $1000 in Baby Step 1,"
"My parents lost their business, how can I help?"
"The real truth about Christmas gifts,"
"How should I save for a house?"
Why it's sometimes hard to make wise money decisions
"I'm scared to tithe while on Baby Step 2,"
"I'm not happy with our affordable vacations,"
"My husband is about to file bankruptcy"
"Should I leave my job?"
"How can I best pay off debt?"
"Should we cash out investments to pay off debt?"
"Should we move closer to family?"
"I'm $42K in debt and just lost my job
George Kamel & Ken Coleman answer your questions and discuss:
"I don't know what I want to do while grieving,"
"Pay minimum payments while saving for a house?"
"Should I take a commission only job?"
"How do I balance my faith with pursuing wealth?"
"Pay off our house before starting to invest?"
"Change our budget for my seasonal job?"
"Take cash from my mom with strings attached?"
"Take a lower paying job or wait for a better offer?"
"I bought a house and found out the seller painted over mold,"
"Should I stop investing to pay off my loans?"
"What is the safest way to invest with family?"
"Should I talk to my spouse about money?"
Dealing with a rude and difficult boss.
Dr. John Delony & George Kamel answer your questions and discuss:
"Our 23-year-old stepson doesn't want to be an adult,"
"I'm afraid to use life insurance to pay off debt,"
"How do I pay off my debt faster?"
"Rebuilding my life after divorce,"
"Can we afford to be generous?"
"I don't trust myself with money,"
"Pay off debt before starting the Baby Steps?"
"Should we sell our house when we move?"
"What should I do with money in my bank?"
"Should I propose with a ring from a past relationship?"
"My dad gave us a house, what's our next step?"
"Should I pay off my husband's debt?
While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday!
While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday!
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
Jade Warshaw & Dr. John Delony answer your questions and discuss:
"My husband's drinking is affecting our money,"
"I can't afford the minimum payments on my debt,"
"How an I help my wife understand we can't afford to travel to visit family?"
"Is the 15% investing rule based on gross or net?"
"My house payment is half my take-home pay,"
Preparing to manage money after college,
Helping irresponsible family with money,
"Should I buy a house with my brother?"
"Should I pay my girlfriend's hospital bills?"
"I'm having trouble finding a side hustle,"
"I am recovering from a gambling addiction,"
"Should I take out a loan to pay off my IRS debt?
Rachel Cruze & Jade Warshaw answer your questions and discuss:
"We have $200k in student loan debt,"
"Should I move back in with my parents?"
"Should I get life insurance for my baby?"
"Navigating social obligatons on a budget,"
"How can I save to pay cash for a house?"
"How do I invest to create a passive income?"
"Getting spouse on the same financial page,"
Dealing with a 9-to-5 schedule,
"Should we move or pay off our home?"
"Should I pay off my student loans or car first?"
"What is the 25% rule for house payment?"
"I am feeling overwhelmed about my finances..."
"Is it okay to take out a small loan for a reliable car?"
"My husband's truck is about to be repossessed
Ken Coleman & Dr. John Delony answer your questions and discuss:
"How can I help my parents without committing financial infidelity?"
"Should we cash out our investments to pay off debt?"
"My husband charges me rent and utilities,"
"How can I help my son pay for college?"
"We got divorced to protect my wife from debt,"
"My dad offered to pay off our house"
Why we work,
"How much do I put towards my side business?"
"Pay off truck or save money for the baby?"
"I bought a house with my ex-girlfriend"
"Should I sell my car to pay off student loans?"
"Is $1K really enough for an emergency fund?"
"What's the best way to make a career change?
Jade Warshaw & George Kamel answer your questions and discuss:
"How do I manage my inventory?"
"I'm struggling to pay off debt even though I have the money in savings,"
"We disagree on what to do with extra money,"
"Should we live in my mother-in-law's house?"
"I was in a horrible hotel and can't get a refund,"
"How can I best help my grandma?"
All about tipping culture,
"Our neighbors smoke a lot of weed..."
"My girlfriend's family sees me as just a dollar sign,"
"Is it still okay for me to retire early?"
"How do I pay for school to change careers?"
"Should we prepay college for our 2 kids?"
"My husband is worried about missing our kids while working
Rachel Cruze & Dr. John Delony answer your questions and discuss:
"My marriage doesn't look like I thought it would..."
"Should I cash off my bitcoin to pay off my car?"
"I'm tired of arguing with my husband,"
15-year vs. 30-year mortgage,
Paying for youth sports on a tight budget,
"Should I pay off my car lease or student loans?"
"What should we do after paying off our house?"
How can I help my girlfriend tackle her debt?
"Going through a tough divorce,"
"Pause the Baby Steps to prepare for a baby?"
"How much should we spend on a vacation?"
"My boyfriend doesn't want me to take a new job
Jade Warshaw & Ken Coleman answer your questions and discuss:
"I'm feeling financially stuck,"
"How can I get rid of my car loans?"
Report back from our Washington DC trip,
"How can I turn $20K into passive income?"
"Should I sign a six-year business lease?"
"Our HOA is making changes we don't like"
"Setting myself up for the future,"
"I feel broke because of my adult kids,"
"Should an emotional shopper stay out of malls?"
"What should I do with money left over?"
"How quickly should I pay off my house?"
"How do I get out of the payday loan cycle?"
"Keep paying out of pocket for school?
Ken Coleman & Jade Warshaw answer your questions and discuss:
"Should I move closer to my job?"
"I'm in the military, should I buy or rent?"
"How do I position myself to take my boss's role?"
"Should I be on my parents' bank account?"
"How do I make traction with my finances?"
"Am I asking too much of my husband?"
"Should I start looking for new clients?"
"Tackling debt while expecting our first kid"
"Should I take out student loans the VA will refund?"
"Pay off student loans or PMI first?"
"How do I adjust my life after husband's passing?"
"How do you do Baby Steps 4-6 all at once?
George Kamel & Dr. John Delony answer your questions and discuss:
"We make $300k and live paycheck-to-paycheck,"
"Will the US dollar become obsolete?"
"How can I stay consistent with my budget?"
"Our home is a money pit, what can I do?"
"Pull from retirement to pay off our cars?"
"My mother is running out of money,"
"Which debt should I pay first?"
"When should I replace my vehicles?"
"Should I pay off my Tesla?"
"How do I prepare for retirement?"
"How should I use an insurance payout?"
"Should we sell our rental property?"
"Should we sell a car to pay off debt?
Ken Coleman & George Kamel answer your questions and discuss:
"I won $1m in the lottery and then lost it all,"
"I'm about to lose my job, what should I do?"
"How do I deal with house fever?"
"Should I sell my sports car?"
"My grandfather is leaving me his business instead of my father,"
"Should I leave my family's business?"
"Should I pay off a larger debt first?"
"Use our savings to do a mortgage recast?"
"I'm worried about pausing investing,"
"I feel like I'm drowning in debt,"
"Am I a lost cause?"
"I have over $2000 in car payments..."
"Use savings to invest or pay off our house?
Jade Warshaw & Rachel Cruze answer your questions and discuss:
"My mom doesn't want us to pay off our house"
"Should I get a HELOC to pay off legal bills"
"Do I keeping paying down debt while preparing to move"
How long should I pause investing
"Should I use my stocks to pay off debt"
"Did I make an irresponsible decision"
Rachel Cruze & Ken Coleman answer your questions and discuss:
"I bought a house with my family & I can no long afford it"
"How do I get my wife on board"
Avoiding lifestyle drift as your income goes up
"Should I sell the house my father left me"
"Buying a new car so I can drive for Uber"
"Negotiating past due bills"
"Should we use our savings to build a second home"
"How do I negotiate a major settlement
George Kamel & Rachel Cruze answer your questions and discuss:
"Should we put our mortgage in the debt snowball?"
"How do we stop living paycheck to paycheck?"
"Should I take on more debt to go to school?"
"How do I make better money decisions?"
Leaving the family business,
"Should we buy a new car in Baby Step 6?"
"I don't want to close my credit cards,"
"Should we buy a home while in the military?"
"Are store specific debit cards OK to use?"
"Should we sell our house?"
"Is inflation really that bad?"
"How do I budget with inconsistent pay?
Rachel Cruze & Dr. John Delony answer your questions and discuss:
"My wife is reluctant to attack her student loans,"
Debt is hurting my marriage, what should I do?
Handling awkward money moments,
"What should we do while in Baby Step 3b?"
"My husband committed financial infidelity,"
"I'm $1.35M in debt..."
"How do I get out of $70K of debt?"
"Should I buy a house or invest?"
"How do debt free screamers increase their income so much?"
"Am I spending too much money?"
"Should I pay off my student loans in full?"
"What should my next steps be after losing my husband?"
"I have $83K in debt and feel discouraged
George Kamel & Jade Warshaw answer your questions and discuss:
"How can we pay off our debt quickly?"
"Do I need long-term care insurance?"
"How should I be investing?"
"What should I do after getting an inheritance?"
"Can I afford to remodel my kitchen?"
Is debt consolidation a good idea?
"Should I pull from retirement to buy land?"
"I co-signed with my mom to buy a car..."
"Skip a 401(k) match while paying off debt?"
"Renew my lease if I may be getting married?"
"I just got out of bankruptcy, what do I do?"
"Pay for life insurance while paying off debt?"
"I'm $314K in debt, what can I do?"
"Would getting married help our business?"
"Should I renovate a house or pay off my car?
George Kamel & John Delony answer your questions and discuss:
"Should we buy a new house"
"What do we do with our upside down car"
"How do I get my spouse on board"
"Mint shutting down and we have a better option"
"Should I change careers to help pay off debt"
"I'm a financial wreck"
"Which loan do I pay off first"
"How does manual underwriting work"
"Should I use my savings to pay off my student loans"
"How do we prepare for twins
Dave Ramsey & Rachel Cruze answer your questions and discuss:
"Fixing my finances after a divorce and a car wreck,"
Mint shutting down,
"How do we combine finances?"
"Pay off my cars or buy a new house?"
"Should I sell my stocks to avoid a market crash?"
"Would it be better to file for bankruptcy?"
"Pause investing to pay off our house?"
"Use a HELOC to buy a new car?"
"How do we prepare to buy a house?"
"My wife wants to quit her job"
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
Dave Ramsey & George Kamel answer your questions and discuss:
"How can I best take over my father's finances?"
"Should I use the debt snowball or debt avalanche?"
"Our car blew up and we can't afford to fix it..."
"Should I get another degree?"
"Pause the Baby Steps to save for a baby?"
"I co-signed on a car with my boyfriend and it's underwater,"
"I have $127k in student loans making $23/hr,"
"Is it wrong to ask a financial advisor's net worth?"
"My broke father-in-law keeps buying us gifts
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"My husband spent $14K on phone games..."
"How much should we save before having kids?"
How much Americans spend on Halloween,
"How much should be in my emergency fund?"
Why you should never lease a car,
"My cousin is stealing from her 13-year-old son,"
"Get student loans for a higher paying career?"
"Should I wait to buy a house?"
"How can we keep each other motivated?"
"Save in the S&P500 or in CDs?"
"Trade in our car while paying off debt?"
"We can't afford our current expenses,"
"My dad wants me to help him buy a house,"
"How do we handle our finances as newlyweds?"
"What's the best way for me to buy my first car?"
"How do I get on track with the Baby Steps?
Dave Ramsey & Ken Coleman answer your questions and discuss:
"Should I sell my investments to pay off debt?"
"Should I buy a house with 3.5% down?"
"How can I best pay off my debt?"
"Should I file bankruptcy?"
"Should I use savings to payoff my house?"
"Am I committing career suicide?"
"Pull from my Roth to pay off my HELOC?"
"My business equipment is being held hostage,"
"Should I keep paying for my medical license?"
"Save for a house while paying off debt?"
"How can I feel okay about spending money?"
"Can I afford a career change?"
"Saving for retirement vs. starting a business"
Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
John Delony & Jade Warshaw answer your questions and discuss:
How to make progress in your finances after having your first kid,
Busting myths about having a 0 credit score,
What to do when you need to go to rehab but you can't afford it,
How to know if you should repair your home or move somewhere new,
What to do when your parents don't respect your boundaries around your wishes for your wedding,
What to do when your family transitions to a single income when your wife has had a successful career,
Why you shouldn't be sharing vehicles and homes with people that aren't your spouse,
How to address generational expectations and set boundaries while preparing for your own future,
Why it's so important to prioritize paying off debt for your financial future,
What to do when you and your spouse don't agree about selling or repairing a vehicle,
How to help grandparents that are being taken advantage of financially.
Ken Coleman & Jade Warshaw answer your questions and discuss:
"How do I get on the same page as my husband?"
"When can I afford to buy a house?"
"Should I pause the Baby Steps after losing my job?"
"Should I use savings to pay off debt?"
"We went $32,000 over our wedding budget..."
Trying to find a new career,
"Can we upgrade to a better apartment?"
Deep dive on Baby Steps 1-3,
"Should I go into debt for an internship?"
"Pull from stocks to pay off my car?
George Kamel & Rachel Cruze answer your questions and discuss:
Take out 401(k) loan to pay off my car?
George and Rachel react to Ramsey's most-hated financial advice,
"Should I use a VA loan?"
"Sell our only car to get out of debt?"
"How can I pay for college without student loans?"
"Should we wait to buy property?"
Getting back on track with the Baby Steps
"We owe the IRS $150,000, what can we do?"
"How should we manage our investments?"
Buying a car while on Baby Step 2,
"My wife wants to buy a $1500 baby stroller!"
"Pay off our house or save for kid's college?"
"How long should I pause retirement?"
"My husband left us.
Dave Ramsey & Jade Warshaw answer your questions and discuss:
How to deal with bills in collections,
"Should we buy or rent when we get married?"
"Is it dumb to take out a business loan?"
"How can we get out of a financial rut?"
"How do cashback debit cards work?"
"Should I rent or buy after moving?"
"How can I get out of $50,000 of debt?"
"Should I keep my whole life insurance policies?"
Rapid fire questions around Baby Steps 4, 5, and 6,
Buying furniture vs paying down the mortgage.
Dave Ramsey & Ken Coleman answer your questions and discuss:
"Should I take out student loans for a coding boot camp?"
Michael Easter on Scarcity Mindset,
"Should I borrow from family to pay off my credit cards?"
"Where should I be investing?"
"I recently lost my job, what can I do?"
"Should I pay extra on the house or invest more?"
"Stay at my current job or go back to school?"
"How can I transition to a new career?"
"Should I buy a house or invest?"
"I have 4 rentals and live paycheck-to-paycheck..."
"My boss is preventing me from moving up,"
"How can we start giving while paying off debt?
Jade Warshaw & George Kamel answer your questions and discuss:
"Should we save to buy a house?"
"How can I afford my minimum payments?"
"I'm being asked to sell credit cards at my job,"
"Should we stop contributing to our 401(k)?"
"Use a mutual fund for a house down payment?"
"When will my credit score go away?"
"My mom opened a credit card in my name,"
Discussion about the "Girl Math" trend,
"Should we move into a bigger house?"
"My daughter isn't paying her credit card off?"
"Taking over a mortgage with my siblings,"
"Trade in our newer car for an older one?"
"I drained our savings without my wife knowing,"
"Our home buyer came up short on their payment,"
"How can I move out of my parents' house?
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"How do we prepare to buy a house?"
"How can I get my husband to buckle down?"
"I own property with my daughters and it's a mess..."
"Should I invest or go back to school?"
"My son asked me to bail him out of $200K tax debt. Should we?"
"What should I do with my whole life insurance?"
"Should I sell my car to get out of debt?"
"My husband has a spending problem"
The #1 reason for divorce,
"Should we wait to buy a house?"
"Can I afford to buy a car just for fun?"
"Managing my mom's estate,"
"Sell my house to buy an investment property?"
"Will starting a family slow down our progress?
Dave Ramsey & Ken Coleman answer your questions and discuss:
We hear about how millionaires built wealth in a Baby Steps Millionaire Theme Hour,
"How can I make my side gig my full-time job?"
"Should we use savings to buy a house or pay off our car?"
"What should my next step be while in college?"
"How do I tell my current boss I'm leaving?"
"Pull from mutual funds to pay off my house?"
"What's the best way to save money for my kids?"
"Should I apply for jobs I'm only halfway qualified for?"
"My wife wants to do drop shipping on Amazon,"
"Go back to school for cyber security?"
"How do we tackle our debt as a young couple?
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"How can I pay for my vacation property?"
"I am drowning in credit card debt,"
How to handle debt collectors,
"Should I buy hunting land?"
"My expenses are higher than my income,"
"Can I buy a $1.5M house?"
"How do we handle our finances in light of world events?"
"When do I pay off my fiance's student debt?"
"Should we elevate our lifestyle after an income increase?"
"Do I need a credit score?"
"How do I fund my business and personal expenses?"
"How do we get financially prepared for a baby?"
"Why should I give up my work match while paying debt?"
"How do we save for non-recurring purchases?"
"Do credit cards protect from fraud better than debit cards?"
"Should we wait to get married to save for a house?
Dave Ramsey & George Kamel answer your questions and discuss:
"I have a baby on the way with no money,"
Prioritizing expenses when you're broke,
"Should I finance boat and live in it?"
"Should I change careers in Baby Step 2?"
"How can we cash flow a new build?"
"How do we have a wedding in Baby Step 2?"
"Cash out my retirement to pay off debt?"
"Invest for retirement or pay off the house?"
"Should I invest as a stay-at-home mom?"
"Should I make my kids pay off their own student loans?"
"How do you plan for retirement at a young age?"
"Should I buy my ex-wife out of the house?"
"Should we sell our home to pay off debt?"
"Should we take over a local business?"
"Confronting a controlling mother-in-law,"
"Relocate our family for better school options?
Ken Coleman & George Kamel answer your questions and discuss:
How to financially and professionally prepare for a layoff,
Why you shouldn't cash out a 401(k) from a previous employer to pay for college,
Some of the dumbest things our listeners have bought using "By Now, Pay Later",
What to do when you're not making enough income to cover your expenses,
How to manage debt when your industry goes on strike,
What to know about when you need a new car,
When to decide if you should sell your house to move to a safer neighborhood,
How to get on the same page with your spouse about big expenses,
Why you shouldn't pull from retirement to pay off your house,
How to know if you're ready to launch your own business,
The best way to tackle your debt when dealing with consumer debt and a HELOC,
What to do when your parents make you take over car payments on a vehicle you can't afford.
Dave Ramsey, George Kamel, and Ken Coleman answer your questions and discuss:
Why you should never own a house with someone you're not married to,
Dave and George talk with Graham Stephen about real estate, the economy, investing, and work that matters,
What to take into consideration when deciding to start taking Social Security,
What to do with extra money from the sale of their house,
Why a caller can't afford to continue the same patterns of behavior after have two vehicles repossessed,
"My siblings think I'm taking financial advantage of our father with dementia - what should I do?",
How to pay for major home repairs while in Baby Step 2 when you can't manage your money,
What to do with a sign on bonus while in graduate school and plan for the future,
Why long distance rental properties are a bad idea,
What to do once you've reached Baby Step 7 and you're not sure what to do with your money,
How to make preparations for your funeral so other family doesn't have to pay for your arrangements,
How to talk to your spouse about combining finances.
Dave Ramsey & George Kamel answer your questions and discuss:
What to do when you and your spouse can't agree on how much to save for building a home,
How to get prepared for retirement when you have nothing saved at 50 years old,
How to financially prepare for a divorce,
What to do when you and your spouse can't agree on how to budget,
What to do when when receiving certified letters in the mail for debt that's in the collections,
"Can I afford to buy more hair transplants?",
How to know if you can afford to quit your side hustle to pursue your dream job,
How to buy a house with zero credit score,
"Should I use my savings to pay my fiancees debt after we get married?",
What to do when getting divorced and you don't have any financial agreement set up,
How you should prioritize your student loan payments in your Debt Snowball,
What to do when you're underwater on a vehicle and don't know if you should pay it off,
How to get your finances on track as newlyweds when facing major home repairs and feel overwhelmed.
Dave Ramsey & Jade Warshaw answer your questions and discuss:
The right way to set up your budget to take care of your family when you're barely getting by,
Where "sinking funds" fall in the Baby Steps,
How to avoid bankruptcy when you're being sued for debts that are in collections,
How to decide if you should go back to school to increase your income,
The best places to hold your money for your sinking funds,
How to know if you're making financial decisions based on wisdom or ungratefulness,
What to be financially prepared for when moving to the mission field,
Why you shouldn't use your Emergency Fund to pay off your house,
"Why are mutual funds highly recommended?",
Why you should never voluntarily repossess a vehicle to the bank,
Where to start focusing your investing as a debt free college graduate,
Why getting a car loan to build a credit score is a horrible idea,
Why a 2 hour commute is not worth a cheaper house or beneficial to your marriage,
How one couple became became Baby Steps Millionaires in their 30's,
How much you should have in your Emergency Fund as contract employees,
Why you shouldn't wait for any kind of student loan forgiveness to pay off your student loans.
Dave Ramsey & Jade Warshaw answer your questions and discuss:
When you should look for a new financial planner,
Why "rice & beans" is a metaphor and why you shouldn't be stingy with your generosity,
What to look for if you're trying to figure out if you should sell your house and get a cheaper mortgage,
A powerful Debt Free Scream from a single mother that never quit even when things seemed impossible,
Where to put student loans in your Debt Snowball while still in school,
How to plan for long term medical expenses when facing dementia,
"Can I get my nails done while in Baby Step 2?",
What to do with additional income when your retirement is maxed out,
When to determine if you should sell real estate to pay off student loans,
Newlyweds that do a Debt Free Scream that sacrificed their wedding day to avoid debt,
How to know if you should sell an investment property when expecting a baby,
What to do when you receive a settlement from a car accident and have IRS debt.
Ken Coleman & George Kamel answer your questions and discuss:
"Should we sell our house to pay off debt?"
Consumer spending during this football season,
"Should I cash out my investments to pay off debt?"
"Can debt in collections cause me to lose a job?"
"How much should I spend on a car?"
"Should I refinance my house?"
"Will leaving my job sour my relationship?"
"Should I relocate to work with family?"
"How do I tithe if I can't pay my bills?"
"How do I know when it's time to move on?"
"I'm exhausted from my job,"
"Should we buy a house from my in-laws?"
"A work friend co-signed for my house...
Rachel Cruze & Jade Warshaw answer your questions and discuss:
"How do we talk to our kids about money?"
"Pay off debt while saving for retirement?"
"Pause retirement while saving for baby?"
"Should I sell my house to pay of debt?"
"My boyfriend got out of jail and has $30K in collections,"
Why you need to be careful with food delivery services,
"Should we move in with my parents?"
"How do I get started with a Roth IRA?"
"How do I sell my car if I'm upside down on it?"
"My husband lost his job after we bought a house,"
"Should I pause my student loan payments?"
"Should I consolidate my debts?"
"We keep fighting about our finances
George Kamel & Dr. John Delony answer your questions and discuss:
Why cars are the stupidest things we buy (and how to get out of a lease early),
"How do we manage rent and a mortgage?"
"How do I deal with a potential government shutdown the next time around?"
"What should I do with a bonus from work?"
"We disagree on paying off our debt."
"Why George was right about NFTs being a poor investment,"
"Pull from mutual funds to pay off our house?"
"Do I need a realtor to build a home?"
"Should my fiancée stay home with our kids?"
"How do I budget my new income?"
"The car salesman lied about the final cost of my car,"
"Should we buy an apartment for my daughter?"
"Should I sell or repair my car?
Jade Warshaw & Dr. John Delony answer your questions and discuss:
"Should we sell our house?"
"I didn't tell my husband how much debt I have,"
"How quickly should I pay off my car?"
"Should I go into debt to prioritize my health?"
What happens if you don't pay your student loans,
Buying a home without a credit score,
"Our son won't move out, what can we do?"
"Paying for big purchases without credit cards,"
"Should we sell our house when we move?"
"How can I stop living paycheck to paycheck?
Dave Ramsey, John Delony, and George Kamel answer your questions and discuss:
The effect of anxiety in today's world and how to combat it,
Jade Warshaw & Ken Coleman live from Washington, D.C. to talk about student loans payments starting back this month,
Why it can be beneficial to pre-plan your funeral but to not pre-pay,
How to rent a car without a credit card,
Ken Coleman talks with Rep. Andy Ogles live in Washington, D.C. about what Congress can do to help repair the issues around the student loan crisis,
What to do when you're barely able to make minimum payments on your debt,
How one couple turned their finances around when they stopped acting like children,
"How do we get back on the Baby Steps after having our baby?",
Why you should pay extra on your mortgage,
Jade Warshaw & Ken Coleman live from Washington, D.C. about how we get out of this mess of this student loan crisis,
What to do as a parent when your kids don't want to agree to the terms you set to paying for their college,
How to navigate anxiety about money in your marriage.
Jade Warshaw & Dr. John Delony answer your questions and discuss:
If you should take your pension in a lump sum or payments.
We had a $2k bill that was about to go in to collections!
When in the baby steps you catch up on late bills.
The pitfalls of using a credit card to pay your bills.
"I'm actually in a big mess!"
The dream of student loan forgiveness has died.
Is now the time to buy a house?
"You can't solve a problem while simultaneously creating one."
Selling stocks to pay off debt.
Should my daughter go off to college with an eating disorder?
Using Bitcoin to fund a 529.
How to stop living paycheck to paycheck
In this special curated episode of some of our favorite calls of the year, Dave Ramsey & his co-hosts answer your questions and discuss:
"Should we allow finances to stop our marriage plans?"
"My father-in-law deeded a house to my 7-year-old,"
"Should I cancel the extended warranty on my car to pay debt?"
"Sell my house to pay off debt?"
"My husband is inheriting ex-wife's house,"
Habits of successful millionaires,
Why some immigrants think debt is the only way to thrive in America,
"I've hidden my trust fund from my wife..."
"Can I use a credit card as my emergency fund?"
"What should we do with a million dollars?"
"My husband spent $2,000 without telling me,"
"Pay mortgage off with life insurance money?"
"How do I become a millionaire?"
"Someone offered to buy my land with gold.
Dave Ramsey & Dr. John Delony answer your questions and discuss:
"Should my husband and I 'divorce' our finances?"
"I won $22m in the lottery and haven't told all of my family... should I?"
"Should we sell our house to pay off debt?"
"My husband pays his parents' bills,"
"How should we tackle our mortgage?"
"Should I sell my new truck?"
"My father doesn't leave enough to pay his bills,"
A Baby Steps Millionaire Theme Hour!
Dave Ramsey & Ken Coleman answer your questions and discuss:
"When do I get life insurance as a single mom?"
"Should I accept money from dad to buy a house?"
"How can I start working through my debt?"
"What do I do after losing my business to a fire?"
"Go back to my old job if they pay me more?"
"What should I do with my savings as a single mom?"
"Should I use a 'Buy Your House Now' company?"
Willie Robertson on the new film The Blind
"Should I build my credit to rent?"
"How can I pay off debt at my age?
Dave Ramsey & George Kamel answer your questions and discuss:
Why you shouldn't listen to idiots about paying off your house,
"Should we save for a wedding or start investing?"
"Should I sell my investment property?"
"Does it make sense to refinance my student loans?"
"Should I transfer my credit card debt?"
"We've been looking for a house for 9 years,"
"Paying off student loans with low income,"
"Should I close the family business?"
"What should I do with money in the bank?"
"How much should I save in a 529?
Dr. John Delony and Jade Warshaw answer your questions and discuss:
"How should we pay for a second car?"
"Should I pay off debt or buy a house?"
Why the national debt shouldn't matter much to you,
"How much emergency fund do I need?"
"Should I keep money separate if I get married?"
Why you shouldn't have to minimize your success with your friends,
"Should I drop out of college?"
"How do you celebrate while paying off debt?"
"Should we work the baby steps or file for bankruptcy?"
"Should we pause our HSA contributions?"
"I want to move but my husband doesn't,"
"Should I sell my house and move for a job?"
"Should I sell my car?"
"Work the Baby Steps or file for bankruptcy?"
"How do we start paying off our debt?"
"Was it right for me to cancel my credit cards?"
"Should I sell my car?
Ken Coleman & Jade Warshaw answer your questions and discuss:
"Am I responsible for my kid's college tuition?"
"How can I earn money while in college?"
"How should I find a new job?"
"Pause investing while saving for a house?"
"Should we use savings to pay our student loans?"
"Borrow from our 401(k) to pay off our HELOC?"
Saving money on grocery budgets,
"How do I pay off my tower of debt?"
"Should I buy a house or rent after I retire?"
"How can I start paying off my debt?"
"What should I do after losing my job?"
"Should I use a debt resolution program?"
"Should I change jobs for better pay?
George Kamel & Ken Coleman answer your questions and discuss:
"My husband wants to sell our home and retire early,"
"Should I invest my daughter's money?"
"My commute is 8 hours round trip,"
"How can I help protect my mom's retirement?"
"How much should I save for kid's college?"
"Our employer 403(b) has a poor rate of return,"
"Should I use a reverse mortgage to buy a rental?"
"Should I pay off my student loans?"
"Is it OK to leave my full-time job?"
"How do I start getting out of debt?"
"Should I finance a car to get the incentives?
Jade Warshaw & Ken Coleman answer your questions and discuss:
"I'm new to the Baby Steps; how do I pay off debt?"
"How much 'fun money' should we budget?"
"Should I turn in the car I'm upside down on?"
Why Ken prefers luxury sheets over luxury shoes,
"How can I keep an inherited farm?"
The best side hustle ideas,
"How much should we spend on a car?"
"Liquidate stocks to pay off debt?"
"Should I be saving while expecting a baby?"
"Pull from our investments to pay off house?"
"What do I do after maxing out 401(k) investing?"
"Should I take out a loan to travel abroad in college?
Dave Ramsey & Dr. John Delony answer your questions and discuss:
"I'm falling behind financially,"
"Should I take our a HELOC for home repairs?"
"Does it make sense for me to pay for my daughter's college education?"
"Can someone ever stop tithing in a difficult situation?"
"How can I stop enabling my irresponsible mother?"
"Will I be able to retire?"
read more: The Truth About Retirement,
"Should I buy a house with cash?"
"Pull from my mutual funds to pay off debt?"
"I have $220K in student loans, what can I do?"
The persistent illusion of gold,
read more: Why Investing in Precious Metals Is a Bad Idea,
"What should I do with an inheritance?
After a three-year hiatus, student loan payments are coming back. But that doesn't mean you have to freak out! Join Dave Ramsey, Jade Warshaw, and Rachel Cruze for a clear plan on how to cover those payments and ditch your student loan debt for good.
All The Ramsey Show co-hosts are out on the road for Smart Conference so today we're back with another compilation of our favorite moments from the year so far. We hope you enjoy it and we'll be back with a live show on Monday's episode.
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"I'm in a lawsuit with cofounders of my company,"
Getting out of upside down cars (and motorcycles),
"Am I saving too much or should I enjoy my life more?"
Things to do to create margin in your budget,
"What should my net worth ratio be?"
"Are we able retire now?"
"Preparing for high interest rates on a home,"
Covering an emergency while in debt,
"Should I sell my house to pay of business debt?"
"Should I use my gold & silver to pay off debt?"
"When would you recommend bankruptcy?"
"How do we set goals after paying off debt?
Dave Ramsey & Rachel Cruze answer your questions and discuss:
"Should we buy a bigger home?"
"I have $300k in student loans and can't work,"
"How much of our money should we save?"
"Should I use savings to pay off my student loans?"
"What should I do after inheriting a house?"
"Do I need Title Theft insurance?"
"How do I fix my relationship with money?"
"How should I invest after selling my house?"
"I took a job but they lied about compensation..."
"My siblings don't want to honor my mom's trust,"
The stupidity of day trading,
Our mother-in-law wants us to get a HELOC.
Dave Ramsey & Ken Coleman answer your questions and discuss:
"Should I join the military?"
Home remodels without permits,
"How do I start paying off my student loans?"
"Should I buy a tiny home?"
"Do I stop investing to pay off debt?"
"Should I buy out my car lease?"
"How do I ask for a promotion at work?"
"My ARM is resetting soon, what can I do?"
"Do I need extra emergency savings due to a volatile career?"
"Is it wrong for me to sell car leases if I don't believe in them?"
"Should I grow my business or buy a house?"
Selling stocks to pay off debt,
"I'm 76 and still have student loan debt..."
"Planning a wedding while in the Baby Steps,"
"Should I buy a car or pay off my house?
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"Is it wrong to sell a gift?"
"Should I sell my car to pay my student loans?"
"How can I manage finances after my husband passed,"
"Can I afford to visit my dying father?"
The latest on the real estate market,
What to do with a large financial gift,
"I owe the IRS $100,000..."
"Should we focus on improving our credit score?"
"Should I pay off my fiancée's car?"
"I don't feel like we're making any progress"
"Do I look at my student loans individually or as a group?"
"Should I take out a debt consolidation loan?"
"Is it ethical to invest in stocks?
In this podcast, Rachel Cruze & John Delony answer your questions and discuss:
What to do when you're saving for Baby Step 3 but have a car that's about to die,
How to know if you should live with family when finding a new place to live,
What it means to have an anxious life and how to get away from the stress,
How to tackle debt when getting out of the military and moving,
What to do when co-parenting and one set of parents is trying to encourage taking on debt,
How to prioritize paying off your student loans in your Debt Snowball,
Why money problems in your marriage are often a result of deeper issues,
How to help parents change their mindset about money,
Why you shouldn't have parents co-sign on a mortgage,
The best ways to use a large inheritance,
How student loans are taking a toll on students mental health,
How to be ok with accepting financial generosity from family members without feeling guilty.
Dave Ramsey & Ken Coleman answer your questions and discuss:
"Should we buy a golf course?"
"How can I set myself up for success in my dream job?"
"Will closing credit cards hurt my credit score?"
"Can I afford to move out on my own?"
"I need to find a job that will pay the income I need,"
"I can't get caught up on my savings."
"Should I sell my house when I move?"
"Should I pull from my Roth IRA to pay off debt?"
"How should I ask for a raise?"
"How do I prioritize paying off my house?"
"What's the best way to increase my income?"
Why whole life insurance sucks.
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"Should we sell our house to pay off debt?"
The stupidity of Biden’s SAVE student loan repayment plan,
"Should I change careers after an injury?"
"Dave, I think you're wrong about infinite banking..."
"Should I advise recruits to use loan forgiveness?"
"How can I get financially stable?"
"I'm upside down on my car; how do I get out?"
"Should I sell my rental property?"
"Do I need to prepare for a switch to digital currency?"
"Should I pay off my house today?"
"Which debt should I prioritize after a divorce?
Dave Ramsey & Jade Warshaw answer your questions and discuss:
Balancing saving for retirement and kids college,
"Should we keep or sell our rental property?"
"How do we get back on track with the plan?"
"Should we sell our house to pay off $299K of debt?"
"My stepson won't pay for his daughter's education,"
"Should we replace our HELOC with a fixed-rate loan?"
"Does it make sense to use our savings to invest or buy a house?"
"Help, I have $311k in student loan debt..."
"How do we plan to buy land and build a house?"
"Should we get earthquake insurance?
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 back with a live show tomorrow. Let us know what you think in the comments!
Dr. John Delony & Jade Warshaw answer your questions and discuss:
"We are traumatized by the housing market,"
"My student loans give me anxiety..."
"I have debt but I want to start investing,"
"Should we use our savings to pay off our cars?"
"I hate actually using our emergency fund..."
"Should I keep renting or buy a house?"
"I'm 58 years old and don't have any retirement,"
"Should I pay more on my mortgage or keep saving?"
"Does it make sense for us to pay on our interest-free loans?"
"Should we combine finances now?"
A will vs. a trust,
"I feel guilty for my husband selling his Jeep for my debt,"
"My wife's expenses are more than my income.