Info

The Dave Ramsey Show

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you to manage and budget your money, get out of debt, build wealth, and live in financial peace. Managing your money properly will reduce stress, improve your marriage, and provide security for you and your family.
RSS Feed
The Dave Ramsey Show
2017
August
July
June
May
April
March
February


2016
December
November
October
September


2015
December


All Episodes
Archives
Now displaying: February, 2017
Feb 13, 2017

Hour 2: Aired on Monday, February 13, 2017

- Ken Coleman, Rachel Cruze, and Chris Hogan talk about Valentine's Day coming up tomorrow. 

- Trent (Sioux Falls, SD) asks if he should sell his pickup.

- Ken, Rachel, and Chris talk about the Smart Conference in San Antonio and Phoenix this Spring and introduce a special Valentine's offer. 

- Jay (Colorado Springs, CO) is thinking of selling his rental properties to get out of debt.

- Ken, Rachel, and Chris answer Stephanie's question from Twitter. She and her husband don't agree about money. One wants to save and the other wants to pay off debt.

- Amanda (Des Moines, IA) went into a credit counseling and consolidation program. Should she withdraw and just attack it herself? 

- Charlie (Kansas City, KS) is losing his roommate several months before the lease runs out. He's not on the lease, and they're not sure he'll hold up his end of the agreement. 

- Megan (Salt Lake City, UT) asks if they should move the car up in the Baby Steps. 

Feb 13, 2017

Hour 1: Aired on Monday, February 13, 2017

- Teresa (Minneapolis, MN) is considering taking money out of investments to pay off the mortgage. 

- David (Florence, AL) asks if he should move money from a traditional IRA to a Roth IRA.

- Diane (Dayton, OH) and her husband are first-time budgeters. He doesn't want to cut out cable and cigarettes. Is she being too over-the-top?

- Sue (Cincinnati, OH) is a single mom who's being laid off this summer. What should her next step be?

- Dave answers Steven's question from Twitter. His mom turned 60 this year. Is it too late for her to save for retirement?

- Chris and Stephanie (Atlanta, GA) do their debt free scream from the lobby. They paid off $160,000 in 14 months. 

- Joe (Denver, CO) and his wife had a baby. Does that change the debt snowball? 

- Dave answers the Blinds.com question of the day. Michelle says her husband is being too specific and nerdy about the budget meeting. What should it look like?

- Michelle (Orlando, FL) has a rental about 6 hours away with a negative cashflow. They're losing $50,000/year. Should they keep hope alive or sell?

Feb 10, 2017

Hour 3: Aired on Friday, February 10, 2017

- Joe (Orlando, FL) is considering creative financing with zero-percent credit cards and his savings to fund a down payment on a house. 

- Dave answers Logan's question from Twitter. What are some basic tips to stay out of debt?

- Christina (Boise, ID) is getting a tax refund. Should she use it to pay off debts or to fill up the emergency fund?

- Freddy (New York, NY) is using a leased car for business. He's now $9,000 upside down on it. How can he get out?

- Dave shares the need to be smart about cars and work. Values go down fast. 

- Dave and Donna (Raleigh-Durham, NC) do their debt-free scream from the lobby. They paid off $144,158 in 35 months. 

- Barbara (Columbus, OH) asks if they should pay off student loans or the car first. 

- Dave shares the Scripture and quote of the day. 

- Michael (Memphis, TN) wants to expand their real estate portfolio after paying off their mortgage.

- Kathleen (Las Vegas, NV) has a $105,000 pile of cash. Should she hold on to it while her husband gets started in real estate? 

Feb 10, 2017

Hour 2: Aired on Friday, February 10, 2017

- Debra (Toledo, OH) is a senior citizen on a fixed income. Should they use mutual fund money to pay off their cars? 

- Dave talks about the importance of his most popular class, "Financial Peace University." 

- Kevin (Dayton, OH) is attending Financial Coach Master Training in April. Should he pursue a career as a financial coach?

- Angela (Wheeling, WV) is getting a tax refund. Should she use it on credit card debt or pay off a $6,000 car loan with a 24% interest rate?

- Dave explains why we should stop and think before making big purchases. 

- Trevor and Jaclyn (Kansas City, KS) do their debt-free scream. They paid off $109,390 in 3.5 years. 

- Chris (Austin, TX) is splitting an inherited IRA. How can they do it and avoid taxes?

- Ann (Baton Rouge, LA) is paying down debt with her husband, but they're interested in learning more about owning rental property.

- Lisa (Wilkes-Barre, PA) has three kids working for her retail business. How much commission should she pay?

Feb 10, 2017

Hour 1: Aired on Friday, February 10, 2017

- Javier (Phoenix, AZ) can't get collectors to send the settlement offer in writing. 

- Nicole (Fredericksburg, VA) recently discovered they're only paying interest on her husband's student loans. 

- Dave answers Collette's question from Twitter. What does Dave mean by "live on beans and rice, rice and beans?"

- Scott and Addie (Indianapolis, IN) do their debt-free scream from the lobby. They paid off $63,000 in 20 months. 

- Paul (Wichita, KS) asks about rolling over a Roth IRA.

- Dave answers the Blinds.com question of the day. Christina only has one debt that's six years old. Should she let it roll off of her credit report?

- Tyler (Boston, MA) needs to know how to increase his income to get out of debt faster. 

- Penny (St. Joseph, MO) owes $14,000 in medical bills from a car accident on the job. 

- Dave talks about Chris Hogan's best-selling book, "Retire Inspired."

- Tanya (Hartford, CT) has an 11-year-old car with high miles. Should she keep maintaining that one or buy a new one?

- Mike (Los Angeles) asks if his rent is too expensive.

- Dave answers Ashley's question from Twitter. How do you help a friend overcome an "I'm too broke to do a budget" mind-set?

Feb 9, 2017

Hour 3: Aired on Thursday, February 9, 2017

- Chris (Tampa, FL) asks if they should take advantage of a government grant program to buy a house. 

- Dave answers Sarah's question from Twitter. Her retirement plan is a defined pension based on the last three years. Should she open an IRA and put 15% of her income in it?

- Dave talks about the digital marketing positions open at Ramsey Solutions. 

- Xavier (Chicago, IL) is caught between wanting to buy rental properties and paying down debt.

- Michael (Philadelphia, PA) wants to help his estranged niece with money she inherited.

- Pam (Raleigh-Durham, NC) does her debt-free scream. She paid off $41,724 in 14 months.

- Kirk (Montgomery, AL) is considering using mutual funds to pay off the house. 

- Dave shares the Scripture and quote of the day. 

- Tina (Wichita, KS) is a real estate agent. What should she do with her money? She disagrees with her husband. 

- Pam (Sacramento, CA) isn't on the same page with her husband and it's stressing her out. 

Feb 9, 2017

Hour 2: Aired on Thursday, February 9, 2017

- Luis (Kansas City, MO) owes more on his car than it's worth. How does he get rid of it?

- Dave answers Rachel's question from Twitter. What's the craziest thing that has ever happened on air?

- Dave talks about upcoming live events. 

- Mike (Portland, ME) has a high schooler. How do they save for his college while they dig out of $100,000 in debt? 

- Kevin (Charlotte, NC) is considering buying his own big rig. Should he?

- Brandon (Raleigh-Durham, NC) has savings, but isn't sure what to do with it. 

- Douglas (Austin, TX) gained $60,000 after selling his house.

- Ebony (Birmingham, AL) wonders what to do with the annuity her husband inherited. 

- Joyce (Kansas City, MO) is 69 and asks if she should pay off the house if it will deplete her cash on hand.

Feb 9, 2017

Hour 1: Aired on Thursday, February 9, 2017

- Pete (Nashville, TN) is investing for retirement, but he's thinking about stopping to fund a 529 account for the kids. 

- Justin (Fort Meyers, FL) is doing real estate part-time, and wants to make the leap to full-time. When should he do it?

- Chelly (Charlotte, NC) is behind on her student loan payments. 

- Allison (Allentown, PA) isn't sure how to attend medical school without incurring debt. 

- Charlie and Jennifer (St, Louis, MO) do their debt-free scream. They paid off $149,473 in 53 months. 

- Dave answers the Blinds.com question of the day. Kyle's wife isn't excited about the debt snowball and wants to work her own plan. It isn't working. 

- Neyssa (Allentown, PA) is moving in with her parents temporarily. Should they save up cash to move to Philly or pay off debt? 

- Debra (Atlanta, GA) asks why they need an emergency fund with their various sinking funds.  

Feb 8, 2017

Hour 3: Aired on Wednesday, February 8, 2017

- James (Atlanta, GA) isn't sure where to go after Baby Step 4. 

- Essence (Tulsa, OK) is paid biweekly. How can she budget?

- Dave responds to a Twitter question about the "magic month" he mentioned on the call with Essence. 

- Dan (Quincy, IL) asks if he should use Social Security to pay his mortgage. 

- Dave answers the Blinds.com question of the day. Candi's mortgage company hasn't been applying her extra payments to the principal. How can she fix that?

- Ashley (Atlanta, GA) wants to switch the order of the Baby Steps in their case. 

- Dave answers Sarah's question from Twitter. Should they give their middle school daughter an allowance to teach her about money? 

- Lin (San Antonio, TX) does her debt-free scream. She paid off $68,036 in 33 months.

-  Erika (Orlando, FL) is a single mom. Where does she start getting control of her money?

- Dave shares the Scripture and quote of the day. 

- Jeff (Orlando, FL) needs to fund his daughter's wedding but would like to do it without those pesky gift taxes. 

- Richard (Bloomington, IL) asks if he should sell his car.

 

Feb 8, 2017

Hour 2: Aired on Wednesday, February 8, 2017

- Steve (Richmond, VA) isn't sure when to replace his car.

- Lauren (Charlotte, NC) and her husband are trying to figure out how to attack his $250,000 in law school student loans. He's having a hard time finding good work. 

- Country artist John Rich joins Dave in studio to talk about the launch of his "Redneck Riviera" in Las Vegas. 

- Dave talks about John's appearance at EntreLeadership Summit in May. 

- Omega (Brooklyn, NY) does a debt-free scream after paying off $42,000 in 7.5 months. 

- Amanda (Chicago, IL) asks if now is a good time to buy income-producing property. 

- Marville (Roanoke, VA) is considering using part of their emergency fund to make a down payment. It would take them from six months or readiness down to four. 

- James (Nashville, TN) needs to know how much to put toward debt each month. 

- Zachary (Los Angeles) asks how to attack student loan debt while in school. 

Feb 8, 2017

Hour 1: Aired on Wednesday, February 8, 2017

- Guest Christy Wright joins Dave in studio to discuss her new book, "Business Boutique", and the topic of women running small businesses.

- Candace (Dayton, OH) feels like her age is working against her in the hunt for clients. 

- Connie (Lafayette, IN) asks how to help her team understand the "why."

- Kenneth and Anna (Raleigh-Durham, NC) do their debt-free scream. They paid off $99,087 in 25 months. 

- Lucy (Orlando, FL) is calling for her husband. Her husband is a trustee for a property with the potential of a strip club as a tenant. 

- Jessica (Tampa, FL) has $250,000 in law school student loans and she's starting to panic.

 

Feb 7, 2017

Hour 3: Aired on Tuesday, February 7, 2017

- Justin (Lansing, MI) asks how to handle a $2,000 gift given to his 1- and 3-year-old kids.  

- Katie (Orlando, FL) has four toddlers at home. Should she go to work at a preschool, which would mean a tuition discount?

- Dave talks about Christy Wright's new book, "Business Boutique."

- Scott (Chicago, IL) is paying his parents back for $50,000 in student loans. How fast can he do this making $100,000?

- Ethan and Cady (Springfield, IL) do their debt-free scream after paying off $55,000 in 28 months. 

- Malcolm (Austin, TX) is reaching a threshold on their deductible IRA. What are the best ways to invest now?

- Dave shares the Scripture and quote of the day.

- John (Minot, ND) is considering selling some paid-off rental properties to pay off his others. Should he? 

- Mason (Oklahoma City) can't seem to sell his mobile home. It's been on the market for three years. 

Feb 7, 2017

Hour 2: Aired on Tuesday, February 7, 2017

- Alicia (Nashville, TN) leased a minivan before reading Dave's book.

- Rick (Nampa, ID) is considering buying a new house. Should they?

- Darlene (Oklahoma City) is receiving money from mineral rights on property she's inherited. How should she invest it?

- Juanita (Dayton, OH) asks if reverse mortgages are ever a good idea. 

- Dave talks about openings here at Ramsey Solutions. 

- Rudolph (Madison, WI) has $50,000 in medical bills that has been turned over to collections. How can he settle? 

- Dave answers the Blinds.com question of the day. Eric is advising elderly clients who want to use a whole life policy to leave money for their church. Good or bad?

- Dave talks about George Orwell's "1984" being #1 on the Publisher's Weekly best-seller's list this week. 

- Ty (Eugene, OR) is running into problems with his mortgage bank. Is it ok to pay on his mortgage bi-weekly? 

- Jill (Leesburg, VA) owes $11,000 on their second mortgage on a $44,000 income. They're getting a $7,000 refund. In what Baby Step should they pay it off?

Feb 7, 2017

Hour 1: Aired on Tuesday, February 7, 2017

- Leslie (Cleveland, OH) isn't sure how much life insurance they need. 

- Bethany (Rockford, IL) is considering enrolling in a public student loan forgiveness program. 

- Dave talks about the popular online budgeting tool, EveryDollar. 

- Ryan (Toronto, Ontario) is doing well in his business. Now what?

- Ashua (Phoenix, AZ) asks about paying off debt with stocks. 

- Kaysee (Baton Rouge, LA) does her debt-free scream. She paid off $23,000 in a year.

- Jean (Cincinnati, OH) has $3 million saved, and none of it is in investments. What should they do now?

- Darren (Sacramento, CA) has rental property in Southern California. Should they sell it to pay off debt?

- Dave answers Jason's question from Twitter. What does Dave do when he's not on the radio or at an event?

- Dave answers Joe's question from Twitter. If he's trying to be gazelle intense, how should he approach dating on a tight budget? 

Feb 6, 2017

Hour 3: Aired on Monday, February 6, 2017

- Chris Brown, host of "Chris Brown's True Stewardship," joins Dave in studio to discuss stewarding your marriage. 

- Bryan (Fargo, ND) is considering moving to Minnesota. Should they pause the Baby Steps? And should they get an apartment before buying a house?

- Aaron (Houston, TX) is working extra, but it's keeping him separated from his wife and is affecting their marriage. 

- Heath and Brittany (Harrison, AR) do their debt-free scream. They paid off $68,000 in 10 months. 

- Dave answers John's question from Twitter. Can Dave recommend books to improve hustle, drive, and motivation?

- Dave shares the Scripture and quote of the day. 

- Steve (Fresno, CA) and his wife have found their dream property. Should they use their emergency and retirement funds to buy it without financing? 

Feb 6, 2017

Hour 2: Aired on Monday, February 6, 2017

- Ashley (Indianapolis, IN) asks how to pay off student loans. 

- Jim (Pueblo, CO) is being offered an annuity by his financial advisor. Is this a good idea?

- Dave talks about the importance of Financial Peace University. 

- Lloyd (Lexington, KY) was diagnosed with cancer. His term policy expires in two years. Should he sell it for a "life insurance settlement?"

- Brad (Toledo, OH) does his debt-free scream. He paid off $144,000 in 53 months. 

- John (Chicago, IL) gets child support from his ex-wife. How should he use that? Pay off his car or save for his son's college?

- Dave answers Ann's question from Facebook. She has three credit cards. Shouldn't she pay off the one with the highest interest rate first?

- Stacy (Dallas, TX) is concerned about her husband putting money into his non-matching 401(k)?

- Bryan (Binghamton, NY) is in Baby Step 2. His wife wants to go back to school to become a nurse. She'd have to quit work. Is this a good idea?

Feb 6, 2017

Hour 1: Aired on Monday, February 6, 2017

- Chris (San Antonio, TX) asks when to do Baby Steps 4–6. Should he save up for a home down payment first?

- Matt (Kingsport, TN) needs to know when to pay off timeshares and how to approach that in the Baby Steps. 

- Sarah (Pensacola, FL) is paying off student loans. What's next? The home or investing?

- Dave invites listeners to preorder Christy Wright's new book, "Business Boutique."

- Erik (Chicago, IL) is a college student. What should he do with the $13,000 he received from his grandfather?

- Stephanie (Mason City, IA) isn't getting any support from her family. 

- Matt and Tasha (Columbus, OH) do their debt-free scream. They paid off $40,000 in 15 months. 

- Dave answers the Blinds.com question of the day. Whitney has a 15-year-old son with no college savings. Should she stop Baby Step 2 and start saving?

 

Feb 3, 2017

Hour 1: Aired on Friday, February 3, 2017

- Jaime (McAllen, TX) wants to maximize his wife's paycheck. 

- Dave talks about the Smart Conferences coming up in San Antonio and Phoenix.

- Meghan (Orlando, FL) is looking to buy a new-to-her car before getting rolling with the debt snowball. 

- Dave talks about the "Business Boutique" book releasing April 17.

- Nicholas (Detroit, MI) is getting married in October. He's $22,000 in debt and wants to save for the wedding. 

- Joe and Amy (Omaha, NE) do their debt-free scream. They paid off $126,600 in 41 months. 

- Dave answers the Blinds.com question of the day. Anna asks where back property taxes fall in Baby Step 2. 

- Dave shares the Scripture and quote of the day.

- Jim (Lexington, KY) asks if buying a farm was a good idea. 

- John (Tucson, AZ) wonders if they have enough retirement. 

Feb 3, 2017

Hour 2: Aired on Friday, February 3, 2017

- Rachel (Boise, ID) just found out about another $90,000 in student loans her husband has. The in-laws just informed her. 

- Dave talks about the popular online budgeting app, EveryDollar.

- Ryan (Mason City, IA) wants to know where a small business startup would fit into the budget in Baby Step 2. His wife wants to start a business.

- Karen (Cincinnati, OH) isn't sure how to start her budget on EveryDollar due to bills that fluctuate, bonuses, stock options, and the like.

- Kunal (Raleigh-Durham, NC) screams "I'm debt free!" from the lobby after paying off $40,000 in six months.

- Cliff (Greensboro, NC) is coordinating a Financial Peace University class. He's concerned one of his students is enabling her mom. 

- Jane (New Orleans) is considering paying off her mortgage. 

Feb 3, 2017

Hour 1: Aired on Friday, February 3, 2017

- Jason (San Francisco) has a grown son with cancer living with them. Are they enabling him? 

- Maria (Los Angeles) asks which 401(k) option she should go for and if she should sell her company stock to pay off her house. 

- Emily (Birmingham, AL) wants to start a financial coaching business. Her husband thinks she should wait until they're out of debt. 

- David (Salt Lake City, UT) isn't sure they should help a sick friend since they don't have a lot of money on hand. 

- Deanna and Jeremy (Peoria, IL) do their debt-free scream. They paid off $90,000 in 45 months. 

- Dave promotes the radio show, "Chris Brown's True Stewardship." 

- Kris (Minneapolis, MN) has Parent PLUS loans. Should she pay them off or take part in any available debt-relief programs? 

- Jonathan (Louisville, KY) asks about the most tax-efficient way for his father to pass his large estate down to the kids. 

- Dave answers Daniel's question from Twitter. Should he wait to start investing for retirement until he has a down payment for a house?

Feb 2, 2017

Hour 3: Aired on Thursday, February 2, 2017

- Jessica (Dallas) is getting a tax refund this year. What should she do with it?

- Dave shares the keys for getting and staying out of debt. 

- Bradley (San Antonio) does his debt-free scream from the lobby. He paid off $67,000 in a year. 

- Dr. Les Parrott and Rachel Cruze join Dave in studio to talk about the upcoming Money and Marriage events in Minneapolis, Cincinnati and Chicago.

-  Dave, Les and Rachel talk about Valentine's Day and how men and women approach it differently. 

- Dave shares the Scripture and quote of the day. 

- Les and Rachel talk about the Deep Love assessment (found at DeepLoveAssessment.com). 

- Allison (Monroe, LA) isn't on the same page with her husband on money. 

Feb 2, 2017

Hour 1: Aired on Monday, February 2, 2017

- Josh (Colorado Springs) needs priorities in paying off his debt. 

- Gene (Philadelphia) asks if he should pay off his VW considering the buyback offer. 

- Dave answers Smith's question from Twitter. He's been laid off for five months, the emergency fund is shot, and he may lose his home soon. What should he do?

- Tommy and Mary (Atlanta, GA) do their debt-free scream from the lobby. They paid off $72,311 in 33 months. 

- Megan (New York, NY) is renting but is thinking about buying a house and commuting into the city. 

- Author Chris Hogan joins Dave in studio. Dave and Chris talk about the upcoming EntreLeadership Summit event, the importance of single people saving for retirement, and the importance of communicating with your spouse. 

- Maria (Los Angeles) asks if she should use stocks and a Roth IRA to pay off the house. 

- Dave and Chris talk about the R:IQ tool at chrishogan360.com.

Feb 1, 2017

Hour 3: Aired on Wednesday, February 1, 2017

- Katie (Provo, UT) is gazelle intense on their goals, but should she help their daughters through college?

- Dave answers Glenn's question from Facebook. His company is offering a pension buyout. Should he roll it into an IRA?

- Dave answers the Blinds.com question of the day. Dave asks if gold should be a part of his retirement plan?

- Daniel (Kearney, NE) inherited farm real estate seven years ago. Should he sell it and invest elsewhere?

- Roanne and Laurence (Birmingham, England) do their debt-free scream. They paid off €32,000in six months. That's $48,000 in US currency! 

- Selena (Chicago, IL) is trying to help her brother's widow. She needs help with the will, life insurance, probate, etc.

- Dave shares the Scripture and quote of the day. 

- Brian (Jacksonville, FL) is saving money while in the military. What should he do with it? 

- Albert (Dallas, TX) is trying to decide between saving for a down payment on a house or opening a Roth IRA. 

- Jesse (Dothan, AL) has a fiancée using debt consolidation. Is there a way to get that debt back from the dispute company?

Feb 1, 2017

Hour 2: Aired on Wednesday, February 1, 2017

- William (Orlando, FL) is trying to decide between a Roth and a Traditional IRA.

- Vincent (Pensacola, FL) owns a house with his ex-girlfriend. 

- Kevin (Chattanooga, TN) wants to get his money under control and get out of debt. Where does he start?

- Sam (Birmingham, AL) owes $34k on his truck. He could only get around $30k for it.

- Dave talks about some of the openings at Ramsey Solutions. 

- Lisa (Spokane, WA) needs next steps for her husband who is being laid off. 

- Michael (Dallas, TX) wants to start a small woodworking business, but doesn't know how to run a company. 

- Jamie (Syracuse, NY) asks if he should pay off his truck or sell it. 

- Dave answers Katie's question form Twitter. Should they sell their home to pay off student loans and be 100% debt-free?

« Previous 1 2