"It sounds like maybe in the past your mom has motivated her grown children with guilt trips." — Dave
Dave answers questions from across America about your life and your money. Featured Call: A woman in Minneapolis asks whether they should set aside a separate emergency fund for family in Nicaragua who keep asking for money. Listen as Dave discusses the cultural and economic differences between America and other parts of the world, and gives practical advice on when to help and when to say no. DAVE RANT: Dave responds to a Twitter post about how to motivate your employees to care: "I don't. I hire motivated people." Follow @DaveRamsey on Twitter to leave your own question for Dave.
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"You have to stop saying what you FEEL like and say what you're going to do." — Anthony
Ramsey Personalities Chris Hogan and Anthony ONeal answer questions from across America about your life and your money and respond to an Instagram post from a woman who feels like she'll never be able to get all of her credit card debt paid off. Follow Dave Ramsey on Instagram to post your own question! Featured call: I financed a mattress. Should I pay half of it off before I save my full emergency fund? Listen as Chris coaches him to take responsibility for his debt: "Is that mattress comfortable?!" Shout Out: Chris and Anthony remember Aretha Franklin.
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"I've been buying diamonds for Sharon for 35 years, and they have yet to go up in value." — Dave
Dave answers questions from across America about your life and your money. Dave on Social: Dave responds to a Twitter post about bank overdrafts. Follow @DaveRamsey on Twitter to leave your own question for Dave. Featured call: A young man in Nebraska asks if he should wait until he's paid off all his debt before he buys a ring for his fiancée. Listen as Dave gives common sense advice on how to choose a ring and how much to spend.
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Ramsey Personalities Ken Coleman and Christy Wright answer questions across America about career and business. Featured call: A teacher wants to start a business that will enable him to hire his graduating students but doesn't know where to start. Listen as Christy gives him practical advice on what steps to take toward a solid business plan.
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"Anyone can win. There's an element of taking personal responsibility . . . " — Dave
Dave answers questions from across America about your life and your money. Retirement expert Chris Hogan and Dave chat about what it's like to live paycheck to paycheck and how anyone can turn it around and become a millionaire: "Debt is a thief. It steals from your now, but it also steals from your later." — Chris Hogan
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"Student loan debt is not bankrupt-able." — Dave
Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A young lady in Texas is barely making it on only $19,000 and is overwhelmed by the amount of debt she has. Dave gives specific advice on how to take control of her situation without declaring bankruptcy: "You really don't have a debt problem. You have an income problem." Social Media: Dave is asked whether he gets tired of asking the same questions over and over. Listen to his honest reply and visit Dave's Facebook page to leave your own question for Dave.
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"If you don't like what the contract says, the suggestion is—as an adult—you shouldn't sign it." — Dave
Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A guy in Texas is upset with his insurance broker for the policy he chose. Dave cuts to the chase to explain that the policy isn't the problem! Listen to his advice on how to avoid the confusion in the future. DEBT-FREE SCREAM: A couple from Ohio visits the studio to share how they saved their marriage and paid off their mortgage.
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"If you don't have a will then the state gets to make decisions for you." — Chris Hogan
Retirement expert Chris Hogan answers questions from across America about your life and your money. Featured call: A young dad asks Chris who he should give copies of his will to. Listen to Chris explain the best way to secure important legal documents. This call leads to a CHRIS RANT about protecting yourself and your family by getting a will. Chris explains what a FICO score really is and why you don't need one!
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"The word 'deferment,' y'all—all you're doing is delaying the inevitable." — Chris Hogan
Ramsey Personalities Chris Hogan and Anthony ONeal answer questions about your life and your money. Featured call: A man with over $200,000 in student loans asks if it's okay to start investing for retirement before paying off the debt. Chris and Anthony discuss the best way to attack loans and why you shouldn't keep putting it off with student loan deferment.
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"You're going to be the most successful when you start with what you have." — Christy
Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Business Boutique creator Christy Wright joins Chris in the studio. Featured Call: An entrepreneur asks Christy for help deciding how big or small to launch her business. Listen as Christy encourages her to start with building trust by getting experience wherever she can: "Starting out, get your core program going and that will help you learn the market." — Christy
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"She tells me she can't find her scissors. I think she's lying to me. We're going to deal with it." — Chris
Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Featured Call: A woman calls Chris with a mortgage question, then admits she still has credit cards. Listen as Chris coaches her to overcome her fear of cutting up her credit cards: "We've got to remove this false sense of security they're giving you . . . when we think different, we can start doing some things differently."
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"If you are in agreement on these 4 areas, you have a very high probability of a successful marriage." — Dave
Dave opens this episode with a call from someone who has been dating a new guy for a month and wants to know when to bring up money and debt. Listen as Dave explains when and how you should discuss money and 3 other key areas before getting engaged: "If it's serious enough to talk about whether you'd have kids when getting married, it's serious enough to talk about money." — Dave Retirement expert Chris Hogan joins Dave in studio to chat about the lies people believe about what it takes to become a millionaire. DEBT-FREE SCREAM: A family in Washington calls the show to share how they paid off $92,000 in just over 2 years: "It's absolutely crucial that both parties are on board and you talk through the good and the bad, knowing that it's not going to be perfect right out the gate."
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"It's not a millennial disease. It's a stupid people disease, and there's stupid people in every generation." — Dave
Dave opens this episode with a classic DAVE RANT in defense of millennials: "You don't have to have a long beard and skinny jeans to do stupid stuff." DEBT-FREE SCREAM: A couple in Minnesota calls the show to share their story: "It's the little things that add up. That money can be put toward the debt."
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"'Someday' is not on the calendar. This is the day you get serious about your financial future. The only way for your kids to have better is for you to do better." — Chris Hogan
Retirement expert and Ramsey Personality Chris Hogan and Dave celebrate the pre-sale release of his new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too! DAVE RANT: If your financial advisor is a condescending little twerp, fire them! DEBT-FREE SCREAM: A young couple from Canada visits the show to share their story: "It was more than worth it . . . when you are in control of your things instead of your things are in control of you."
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"You can do it. You just have to do it." — Dave Ramsey
Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old asks for investing advice so he can get the wheels rolling on a strong financial future. Listen as Dave explains to this future millionaire the best way to invest in mutual funds. A couple from Kansas City visits the show to share how they paid off $300,000 after going through Financial Peace University!
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"Getting out of debt is not an intellectual exercise. It's an emotional event." — Dave
Dave answers questions across America about your life and your money. Featured call: A man in California wants to know the best way to use savings to slash down some debt. Dave coaches him to focus on the goal and use the Baby Steps to knock it out fast. A woman travels to the show all the way from Pennsylvania to do a DEBT-FREE SCREAM!
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"When you make good financial decisions, they are defined not as what feels good today, but what causes you to build wealth over the long term." — Dave Ramsey
Dave takes calls and answers your questions about life and money. Featured call: We can't afford a 15-year mortgage, so would it be okay to get a 30-year mortgage instead? A family in California calls the show to do their DEBT-FREE SCREAM after reading The Total Money Makeover and taking on extra jobs to find total freedom!
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"Building wealth has nothing to do with your income level and it has nothing to do with your background." — Chris Hogan
Retirement expert and Ramsey Personality Chris Hogan and Dave celebrate the pre-sale release of his new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too! A family from Illinois visits the show to share their debt-free story: "He just walked into the house one day and said, 'How can we make this much money and not have anything to show for it?'" Dave explains what it takes to be on the show for a DEBT-FREE SCREAM.
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Ramsey Personalities Ken Coleman and Rachel Cruze answer America's questions about your life and your money.
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"After you're debt-free, you still have to save up your emergency fund and your down payment." — Dave Ramsey
Dave takes calls and answers your questions about life and money. Featured call: A 23-year-old has an intense plan to get out of debt and wants to know if it's better to move out of his parents' home to get a solid rent history, or if he should stay until he's finished paying off debt. Listen as Dave encourages him to stay on track and make a specific timeline for renting his own place. A single woman from Michigan calls the show to share how she paid off $140,000 after reading The Total Money Makeover: "It's incredibly empowering! . . . Every extra dollar was going toward the debt!"
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"A student loan will linger like no other debt. It will just haaaaaaang around, hang around like an unwanted brother-in-law." — Dave Ramsey
Dave takes calls and answers your questions about life and money. Featured call: A man in Kansas paid off his house, but still has student loan debt. Listen as Dave coaches him through a plan to get out of debt quickly—the 7 Baby Steps. A couple from California visits the studio to do a DEBT-FREE SCREAM! Dave explains what it means when he talks about "Nerds" and "Free Spirits," and why they need each other.
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"America, the American dream is still available—and contrary to what you hear on the news—it's available and you can still do it." — Chris Hogan
Retirement expert and Ramsey Personality Chris Hogan celebrates the pre-sale release of his new book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth—and How You Can Too by hosting a Millionaire Theme Hour! Listen to how real people explain how they achieved a net worth of $1,000,000 or more!
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"It's possible. The American Dream is not only alive, it's well, and it's available to you if you make the decision." — Chris Hogan
Ramsey Personality Ken Coleman interviews Retirement expert and best-selling author Chris Hogan as he announces the pre-sale release of his new book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth—and How You Can Too! Ken and Chris take calls and answer questions across America on your life and your money.
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"Your dreams just don't happen. You've got to make them happen. And you do that by staying focused." — Chris Hogan
Retirement expert and Ramsey Personality Chris Hogan announces the pre-sale release of his new book, Everyday Millionaires, and answers questions across America about investing. Featured Call: Chris identifies with a father in Indiana who wants to make sure he's planning a secure future for his special needs children. Chris encourages listeners to surround families of special needs kids and closes the episode with a quote by Margaret Thatcher: "No one would remember the Good Samaritan if he'd only had good intentions. He had money as well."
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"Make sure you're living on a really detailed written budget . . . Your money will feel like it's working harder." — Dave Ramsey
Dave takes calls and answers your questions about life and money. Featured call: A man in Knoxville, Tennessee calls to ask if it's okay to stop retirement investing in order to save for a home. Listen as Dave explains why this is okay and how long you should push pause on investments. A family from Missouri visits the show to do a DEBT-FREE SCREAM after paying off their house!
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