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The Ramsey Show

Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out one of Apple’s most popular podcasts! For more information, visit www.ramseysolutions.com
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Now displaying: April, 2018
Baby Step Your Way to a Better Marriage (Hour 3) 0
Apr 30, 2018

You can improve your relationship and your finances in seven simple steps, and this episode will tell you how. A young lady from Wisconsin visits the studio to share how a family tragedy motivated her to beat debt so she could scream, "I'm DEBT-FREE!" 

 

  

A Date Night Worth Investing In:

  

 Also Mentioned in This Episode:

Helping Teens (and Adults) Win at Small Business (Hour 2) 0
Apr 30, 2018

If you're dreaming of starting a business, having a side hustle, or just wanting to help your teen make money this summer, this episode gives you the info and tools you need to make it happen! Also, a young man from New York visits the studio to share how he worked hard to pay off student loans. "I started collecting bottles and was able to resell them . . ."

 

 

Small Business Guide For Teens:

  

Also Mentioned in This Episode:

You Really Can Buy a House And Live Your Dream (Hour 1) 0
Apr 30, 2018

This episode teaches you how to afford a house and become outrageously wealthy in seven simple steps. A couple from Connecticut visits the studio to share how they beat debt so they could buy their first house! "We were sick and tired of living paycheck to paycheck. We couldn't even get pre-approved for a home. It was a vision of ours to own a home together." 

 

 

Buy a Home the Right Way:

 

 

Also Mentioned in This Episode:

Get Out of Debt and Start Enjoying Your Money (Hour 3) 0
Apr 27, 2018

Get answers to real-life money questions on these topics: buying expensive items, saving for retirement, borrowing money to invest it, and family conflicts over money. A couple from South Carolina visits the studio to share their debt-free story and yell, "We're DEBT-FREE!"

 

 

Win With Money:

 

 

Also Mentioned in This Episode:

How to Build Wealth and Live the Life You Want (Hour 2) 0
Apr 27, 2018

Get answers to real-life money questions on these topics: saving for retirement late in life, stocks, emergency funds, saving for a house, and budgeting for college students.

 

 

Win With Money:

 

 

Also Mentioned in This Episode:

Why You Should Stop Investing to Get Out of Debt (Hour 1) 0
Apr 27, 2018

Get answers to real-life money questions on these topics: refinancing your mortgage, real estate debt, investing while in debt, long-term care insurance, and life insurance. A couple from Florida calls the show to scream, "We're DEBT-FREE!"

 

 

Featured Calls:

  • Claudia: Should I refinance my mortgage to pay off debt?
  • Nick: Should I really stop investing, even if I get a company match?
  • Debt-Free Scream: Jeff and Grace paid off $34,000 in 17 months!
  • Carol: How much long-term care insurance should I get?
  • Paul: How much life insurance do I need?

 

 

Beat Debt:

 

 

Also Mentioned in This Episode:

Is a USDA Loan a Good Mortgage Option? (Hour 3) 0
Apr 26, 2018

Get answers to real-life money questions on these topics: the best mortgage, paying student loans, money market accounts and 403(b) rollovers. A couple from New Jersey visits the studio to share their debt-free journey!

 

 

Featured Calls:

  • Bree: Just called to say thank you!
  • Carl: Is a USDA loan a good idea?
  • Dee: Pay off the house or pay off my student loans?
  • Debt-Free Scream: Candace and Ameer paid off $87,000 in just 7 months! "I grew up on payday loans . . . I didn't even know you could exist debt-free!"

  

 

Win With Money:

 

 

Also Mentioned in This Episode:

How Can I Help My Parents With Money? (Hour 2) 0
Apr 26, 2018

Get answers to real-life money questions on these topics: condos as an investment, selling a timeshare, and college savings funds.  A farming couple from Tennessee visits the studio to scream, 'I'm DEBT-FREE!"

 

 

Featured Calls:

  • Kim: Sell or keep the condo?
  • Brooke: What should I do with my timeshare?
  • Debt-Free Scream:  Steve and Rhea paid off $152,000 in 3 years! "It has freed us up in a lot of ways--more than I even thought it would!"
  • Anastasia: How can I get my parents to do your plan?

  

 

Win With Money:

 

 

Also Mentioned in This Episode:

The Only Time You Should Cash Out Your 401(k) (Hour 1) 0
Apr 26, 2018

Get answers to real-life money questions on these topics: getting out of debt fast, term life insurance, rolling a pension into an IRA, dealing with burn out, and dealing with identity theft. A couple from Illinois visits the studio to scream, "We're DEBT-FREE!"

 

 

Featured Calls:

  • Kevin: Can I cash out my 401(k) to pay down debt?
  • Fred: Would you recommend tiered term insurance?
  • Debt-Free Scream: J.J. and Jillian paid off $85K! "We thought, if this doesn't work we can always go back to fighting all the time."
  • Raquel: What should I do with an old pension?
  • Danny: My brother stole my identity and ran up a huge bill at Amazon in my name.

  

 

Beat Debt:

 

 

Also Mentioned in This Episode:

The Reason Americans Have $1 Trillion in Student Loan Debt (Hour 3) 0
Apr 25, 2018

Get answers to real-life money questions on these topics: marketing a side job, paying cash for college, paying off rentals, prioritizing debt, and payments. 

 

 

Featured Calls:

  • Adam: Advice for marketing my side hustle?
  • Eric: Use savings to finish out the basement? 
  • Olivia: How to go to college debt-free?
  • Grant: Slow investing to pay off investment properties?
  • Brenda: We're retiring and have debt.

  

 

Win With Money:

 

 

Also Mentioned in This Episode:

Should I Take My Son's Savings to Avoid Eviction? (Hour 2) 0
Apr 25, 2018

Get answers to real-life money questions on these topics: pensions, estate planning, Medicaid, salary expectations, and student loans. A family from Chicago visits the studio to share their debt-free story and scream, "I'm DEBT-FREE!"

 

 

Featured Calls:

  • Joe: How to set protect my mom's estate?
  • Debt-Free Scream: Mike and Michelle (and all the kiddos) paid off $57,000 in one year on teacher salaries!
  • Chance: Tips on negotiating a salary? 
  • Phillip: Use my son's savings to stop my eviction?

   

  

Beat Debt:

 

 

Also Mentioned in This Episode:

Why You Need to Save Extra Money for Emergencies (Hour 1) 0
Apr 25, 2018

Get answers to real-life money questions on these topics: LLCs, Uber as a side hustle, extended warranties, life insurance, and emergency funds vs. sinking funds. A couple in Washington calls the show share how they paid off $164,000 in 2 years!

 

 

Featured Calls:

  • Kelly: Should my side hustle be an LLC?
  • William: Drive for Uber to pay down debt?
  • Debt-Free Scream: Will and Jolene are debt-free! "The Total Money Makeover got us on the same page."
  • Debra: My husband thinks we have enough in our sinking funds to cover emergencies.

 

    

Win With Money:

 

 

Also Mentioned in This Episode:

Practical Advice for Getting Out of a Car Lease (Hour 3) 0
Apr 24, 2018

Get answers to real-life money questions on these topics: property taxes, selling a car, mutual funds, and small-business loans. A family from West Virginia visits the show to share their debt-free story!

 

 

Featured Calls:

  • Margie: Should I do a 1031 to avoid the taxes on a property sale? 
  • Amy: How to handle a leased car I got through divorce?
  • Debt-Free Scream: Adam and Abby paid off $43,000 in 17 months on pastor and teacher salaries! 
  • Cameron: Advice for opening a franchise?

   

  

Win With Money:

 

 

Also Mentioned in This Episode:

Should I Pay Cash for a Wedding While in Debt? (Hour 2) 0
Apr 24, 2018

Get answers to real-life money questions on these topics: renting, investing in Roth IRAs, planning for retirement later in life, and paying for a wedding. A couple from Texas visits the show to share their debt-free journey and scream, "We're DEBT-FREE!"

 

 

Featured Calls:

  • Lindsay: Sell in a hot market now and rent?
  • Debt-Free Scream: Chris and Skye paid off $58,000 in less than two years!
  • Devin: Should I roll my 401(k) into a Roth?
  • Jack: Can I invest in Baby Step 2?
  • Brian: How to cash-flow my wedding?

   

  

Get Out of Debt:

 

 

Also Mentioned in This Episode:

The Best Way to Transition to a New Job (Hour 1) 0
Apr 24, 2018

Get answers to real-life money questions on these topics: the fastest way to be debt-free, switching jobs, making more money and finding passion in what you do. Also, a couple in St. Louis calls the show to share their debt-free story and yell, "We're DEBT-FREE!"

 

 

More From Ken Coleman: 

 

 

Featured Calls:

  • Kevin: Sell the truck to keep the 5th wheel?
  • Debt-Free Scream: Beau and Ashley paid off $82,000 in three months! "It's a liberating feeling to know that we no longer have credit card debt and never will again!"
  • Stephanie: Take a pay cut for more family time?
  • Kim: Switch jobs from radio to construction?
  • Chris: Is passion more important than money?

   

  

Beat Debt:

 

 

Also Mentioned in This Episode:

Avoid High-Risk Investing by Diversifying Your Portfolio (Hour 3) 0
Apr 23, 2018

Dave talks about diversified investing and shares a sad story from The Wall Street Journal. Also, get answers to real-life money questions on these topics: selling a vehicle, student loans, grad school and retirement.  A couple from Iowa visits the studio to scream, "We're DEBT-FREE!"

 

 

Featured Calls:

  • Greg: How to give an older friend money advice?
  • Jordan: Sell my husband's truck?
  • David: Take out a loan for grad school?

   

  

Beat Debt:

 

 

Also Mentioned in This Episode:

The Best Plan to Become Financially Successful (Hour 2) 0
Apr 23, 2018

Get answers to real-life money questions on these topics: planning for financial success, when to buy a home, financing a mattress, upgrading to a bigger home, growth stock mutual funds, and using credit cards to get a high FICO score. Also, Cliff shares a story about hearing Dave on the radio while waiting to lease a car at the dealership.

 

Featured Calls:

  • Ryan: How can I set myself up for financial success when I graduate?
  • Adesoji: Get a master's or buy a house?
  • Nick: Sell the house to pay off debt?
  • Joanne: How to help my 85-year-old grandma invest?
  • Parker: Pay off the maxed out card first?

   

  

Beat Debt:

 

 

Also Mentioned in This Episode:

Teach Your Teen How to Make Money by Summer (Hour 1) 0
Apr 23, 2018

Get answers to real-life money questions on these topics: family business, GoFundMe, home buying, whole life insurance, and investing decisions. Also, Anthony ONeal visits Dave in studio to chat about teen entrepreneurs.

 

 

More From Anthony ONeal:

 

 

Featured Calls:

  • Brady: How to be successful in family business?
  • Danica: Buy a house and rent the rooms out?  
  • Sue: Cash out a whole life policy?
  • Tiffany: How to prepare for a meeting with a financial advisor?

 

 

Also Mentioned in This Episode:

 

7 Simple Steps to Help You Win With Money (Hour 3) 0
Apr 17, 2018

This episode gives common sense advice for people who want to take control of their money and beat debt for good! 

 

 

Featured Calls:

  • Isaiah: What do I do with my whole life policy?
  • Debt-Free Scream: Kyle and Jenn are debt-free!
  • Jacob: Why should I hire an investment advisor?

 

 

Win With Money:

 

 

Also Mentioned In This Episode:

How to Give People Hope for Their Future (Hour 2) 0
Apr 17, 2018

This episode gives expert advice on life and money. Topics covered vary from retirement annuities and construction loans to setting realistic timelines on goals and how to help people with their finances.  

 

 

Featured Calls:

  • Chris: Is an annuity right for my mom?
  • Nicole: Which construction loan option is best?
  • Matt: Stop retirement investing to pay off the house?

 

 

Beat Debt:

 

 

Also Mentioned In This Episode:

Should Broke People Pay Their Fair Share of Taxes? (Hour 1) 0
Apr 17, 2018

This episode gives workable solutions to life's money questions. Specific topics range from paying taxes and investing for college to combining finances in marriage and how to find a reputable attorney. Also, hear the truth about USDA Loans: "I think it is one of the worst mortgage programs out there." — Dave

 

 

Featured Calls:

  • Savannah: Should I invest my college savings in the S&P 500?
  • Mary: What should I do with an insurance settlement?
  • Kyle: How do we select mutual funds in a 529?

 

 

Win With Money:

 

 

Also Mentioned In This Episode:

The Biggest Money Mistake Young People Make (Hour 3) 0
Apr 13, 2018

Learn how to turn your finances around and get rid of an upside-down car. Listen to insight on why the debt snowball is the fastest way to find financial peace! "Freedom. When are you gonna get you some?" — Dave

 

Featured Calls:

  • John: How do I handle two upside-down trucks?
  • Travis: Should I wait to pay off a 0% interest debt?
  • Debt-Free Scream: Brandon and Kelly paid off over $120,000 after being inspired by another couple's debt-free scream!
  • Steve: Pay for our dream property with retirement funds? 

  

Win With Money:

 

Dave Also Mentioned:

It's Time to Beat Debt and Start Winning With Money (Hour 2) 0
Apr 13, 2018

If you're sick and tired of drowning in debt and want a way out, you'll find practical step-by-step advice in this episode. Learn whether adult children are responsible for their parents' debts and the best way to handle an overwhelming amount of medical bills. 

 

Featured Calls:

  • Dustin: Keep my out-of-state rental?
  • Ben: Roll my credit cards into my HELOC?
  • Heather: How can I buy my leased car?
  • John: How should we prioritize our medical expenses?
  • Zachary: How can I attack student loan debt when I spend $2,200 on housing each month?

  

Get Out of Debt:

 

Dave Also Mentioned:

Are You Spending Too Much Money on Housing? (Hour 1) 0
Apr 13, 2018

Does your family run from you when you talk about money? This episode covers how to talk to your family about spending and a quick way to find $5,300 to throw at your debt in just 9 weeks. Also, learn how much you should be spending on housing and whether or not banks have the power to garnish your wages. A caller from Germany asks whether he should invest while he still has student loans. 

 

More From Ken Coleman:

 

More From Chris Brown:

 

Featured Calls:

  • Adam: How do I talk to family members about debt? 
  • David: I need to buy a truck so I can make money.
  • Christina: What percent of my income should go toward rent?
  • Tanya: Can the bank garnish my wages to pay a credit card bill?
  • Dominic: Should I pay off my student loans before investing?
  • Justin: Should I add on to my trailer?

 

Get Out of Debt:

 

Also Mentioned on the Show:

Why You Spend More Money When You Pay With Plastic (Hour 3) 0
Apr 12, 2018

Dave discusses the research that proves people spend way less money when they pay with cash. Dave explains what an emergency fund is and how much money to keep in your bank as a "buffer." A non-Christian asks if he should feel guilty for not tithing 10%. A young couple from Alaska calls Dave to yell, "I'm DEBT-FREE!" At the end of the show, Dave gives a shout-out to the Nashville Predators and (more importantly) to his son and daughter-in-law-to-be!

 

Featured Calls:

  • Josh: Do I really need to save $1,000 in Baby Step 1?
  • Brantley: Should I tithe as a non-Christian?
  • Debt-Free Scream: Randy and Sarah paid off $195,000—including the house—after reading The Total Money Makeover!
  • Taylor: How long should we rent before we buy?

 

Win With Money:

 

Dave Also Mentioned:

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