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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.
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Now displaying: 2018
Aug 15, 2018

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.

 

Calls this Episode:

  • My husband feels stuck in his job of 12 years. What should he do to get hired at another company?
  • How do I recover after a failed business attempt?
  • My wife used credit cards to start a business and it's not profitable.
  • What's the best way to start a business?
  • I think I made a mistake quitting my job to go into business with my father.
  • What questions should I ask during an interview?

 

Want to Hear More From Ken Coleman? 

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 15, 2018

"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

 

Calls this Episode:

  • A homeless man calls Dave to thank him for giving him HOPE.
  • I'm losing my job. Should I start a business?
  • Should I pay down my wife's student loan debt?
  • Are prepaid debit cards a smart tool for kids?
  • What's the best way to pay off the house early?
  • How can I get my job application noticed?

  

Also Mentioned on the Show:

 

Want to Hear More From Chris Hogan? 

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 15, 2018

"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.

 

Calls this Episode:

  • Should I declare bankruptcy?
  • How do I handle suing my ex for being in contempt of court?
  • What should I do with an insurance settlement?
  • Should I pay off my rental property or sell it?
  • Is investing in a franchise a smart idea?

  

Also Mentioned on the Show:

Thanks for listening!

 

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Aug 14, 2018

"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. 

 

Calls this Episode:

  • What size house should we buy?
  • Can I get my insurance company to give me more money for my roof?
  • Is it wise to invest my disability income?
  • Should I cash out my IRA to pay off credit cards?
  • Is $35,000 too much money to spend on a new car?
  • How can we afford to pay my mother-in-law back for my wife's student loans when we have other debt?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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Aug 14, 2018

 

"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!

 

Want to Hear More From Chris Hogan? 

 

Calls this Episode:

  • What should I do with the money I get when I sell two homes? 
  • How do I store my will and legacy documents?
  • Should I build my credit with Self Lender so I can buy a mobile home?
  • What can I do with extra college scholarship money?
  • How should I handle my 457(b) investment?
  • What's the best way to balance time with family and taking on extra jobs to get out of debt?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 14, 2018

"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.

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Anthony ONeal? 

 

Calls this Episode:

  • Should we pay off our student loans before saving for retirement?
  • What should I do with the $125K I've saved?
  • Is it wise for us to sell our house and downsize?
  • How do I start over financially as a single mom?
  • What's the best way to pay my bills on a tight budget?
  • Should I take out a loan for nursing school?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 13, 2018

"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

 

Calls This Episode:

  • How should I start attacking my debt?
  • Who is the best market for my business?
  • Should I sell my car?
  • Which side business should I invest my time in?
  • Do I need long-term disability insurance?
  • Should I grow my sales business or become a sales rep for a national company?
  • Can I cash out an inherited IRA to pay off student loans?

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 13, 2018

"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." 

 

Calls This Episode:

  • When do I pay my deferred mortgage principal?
  • Should I move my TSP to a Roth?
  • What should we do about the inflated housing market?
  • Should I be saving to pay off my mom's debts?
  • Is it better for us to buy a smaller house or rent?
  • What should I do if I can't afford my car?
  • Is it okay to take out a mortgage on a house we can't afford to pay cash for?

 

Want to Hear More From Chris Hogan? 

  • Listen to The Chris Hogan Show.
  • Read Retire Inspired: It's Not An Age; It's a Financial Number
  • Attend the Smart Money event to see Chris in person.
  • You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.   

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 13, 2018

"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."

 

Calls This Episode:

  • When do I bring up finances with the guy I'm dating?
  • How much life insurance do I need?
  • Should I stay on the income-based repayment for my student loans?
  • Should I sell both vehicles and upgrade to a better truck?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 10, 2018

"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."

 

Calls This Episode:

  • What should I look for in an insurance company?
  • How much should I be contributing to our college fund?
  • Is cashing in an insurance policy taxable income?
  • Should I go back to school so I don't have to drive trucks?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 10, 2018

"'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."

 

Calls This Episode:

  • Should we listen to my financial planner and use my inheritance to invest instead of paying off the rest of our debt?
  • If I can't afford child care, should I quit my job?
  • How can I change my career without starting out at entry-level pay?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 10, 2018

"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! 

 

Caller Questions:

  • How can I start investing so I can avoid getting into debt?
  • How much money should go into each of our savings funds?
  • Where should I put an inheritance my son received?
  • Should I invest to get the match while I'm in debt?
  • Can we skip paying off debt to save for gaps of income?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 9, 2018

 

"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! 

 

Calls this Episode:

  • Which debts should I pay off first with my savings?
  • Should I give money to my coworker?
  • Can I contribute to retirement while we still have debt?
  • Do I need to put 15% in retirement since I have a pension?
  • How do I handle debts in collections?
  • What can I do to help my wife get on board with our goals?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 9, 2018

"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!

 

Caller Questions:

  • What's the best way to get started in real estate?
  • Am I too old to start a landscaping business?
  • Can we get a 30-year mortgage if we can't afford a 15-year?
  • Which Ramsey curriculum is best for high school students?
  • Should I roll my 401(k) into a Roth IRA and pay the taxes?
  • Is it time to replace our broken down car?
  • Should I use an insurance payout to pay down my mortgage or replace the roof?
  • How much should be in my budget for dating?
  • How do I start the debt-free process while I'm in school?
  • What is the best solution to paying for private school while we have $60,000 in car debt?
  • Should I buy a house with my girlfriend?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 9, 2018

"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. 

 

Calls This Episode:

  • Should I renew my earthquake insurance?
  • Is it worth it to take out $200,000 in student loan debt if I'm going to med school?
  • Should I sell my truck to pay down debt?
  • What do I do with the money from a property I sold?
  • Is it best to sell my house and build another one?
  • Should I work fewer hours at my job so I can invest in my small business?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 8, 2018

Ramsey Personalities Ken Coleman and Rachel Cruze answer America's questions about your life and your money.

 

Want to Hear More From Ken Coleman? 

 

How to Find Rachel Cruze:

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 8, 2018

"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!"

 

Caller Questions:

  • Is it okay to invest in my side business while I'm paying of personal debt?
  • Should we use college savings to pay off car loans? 
  • Should I move out of my parents' house if it slows down paying down my debts?
  • How do I decide if relocating is a good idea?
  • Which investment option is better, a 403(b) or a 457?
  • What retirement plan should I choose?
  • Should we sell our house to pay down debt because our taxes keep going up?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 8, 2018

"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.

 

Caller Questions:

  • What do we do if we need a new car while still in debt?
  • How do I sell a car I'm upside down on?
  • Should I be paying more than the minimum on my student loans now that my house is paid off?
  • How can I find a job that doesn't bore me?
  • Should I relocate?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 7, 2018

"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!

 

Today's Everyday Millionaires:

  • 2MM from Columbia, South Carolina: "Every year we averaged at least 15% into 401(k)s." 
  • 1.1MM from Atlanta, Georgia: "I started working when I was 12." 
  • 1.1MM from Boulder, Colorado: "Get started early and just focus." 
  • 1.5MM from Concord New Hampshire: "My kids will tell you, we had the 'slushy years' — we couldn't even afford to get our kids slushies."
  • 1.7MM from Redding, California: "I went back to college at age 40."
  • $1.1MM from Green Bay, Wisconsin: "I started out at $16,000 salary." 

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 7, 2018

 

"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. 

 

Caller Questions:

  • Is it okay to take money out of my retirement accounts to pay down debt?
  • Are Target-Date mutual funds a good idea?

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Ken Coleman? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 7, 2018

"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."

 

Caller Questions:

  • What's the best way for us to use a $600,000 inheritance?
  • Why do you recommend investing rather than use that money to pay off the house?
  • How much should I put into an ABLE account for my special needs children?
  • Should I set money aside for investing or saving for a down payment?
  • How much money should I be putting in a Roth IRA?
  • What's the best way to invest my pay increase?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 6, 2018

"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!

 

Caller Questions:

  • Should I sell my house?
  • How do you determine assets?
  • Is it okay to stop investing to save for a house?
  • Are annuities a good idea for me?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 6, 2018

"You can't afford the school you're going to right now . . . I'm going to be looking to transfer schools for the next year." — Rachel

 

Ramsey Personalities Ken Coleman, Rachel Cruze and Anthony ONeal answer America's questions about money, millennials and career. Anthony shares a letter from a parent of a 11-year-old entrepreneur who is on fire! You'll be inspired by what this kid accomplished over the summer! Featured Call: A college sophomore with $20,000 in student loans—and planning on taking out $20,000 more—wants to know if she should invest in mutual funds. Hear Rachel challenge her on her college choice and encourage her to avoid going further into debt.

 

Caller Questions:

  • Am I on the right track with my business options?
  • As a teen, should I be investing my money?
  • I'm 18 and going into the military. How can I be good with money?
  • Should we stop paying down the mortgage to save for a car?
  • Do we put our mortgage in the debt snowball?
  • Should I pay off college loans or invest my money?
  • Is it smart to downsize our house to pay down debt?

 

Want to Hear More From Ken Coleman? 

 

How to Find Rachel Cruze:

 

Want to Hear More From Anthony ONeal? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 6, 2018

"Think about it. Don't do stuff by accident. Do it intentionally . . . one of the most powerful things you have is CHOICE." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old calls wondering if it's a better idea to stay in the military or pursue a different career. Listen as Dave coaches him to be intentional about making a plan that will take him where he wants to be in 20 years and spins off into a classic "German Polka History" DAVE RANT.

 

Caller Questions:

  • Will it hurt my appraisal that my home addition didn't have a building permit?
  • Is a condo or house a better investment?
  • Do I have legal recourse to make a buyer stick to the contract?
  • Is it immoral to take a life insurance payout?
  • Can you give me advice on whether I should stay in the military or pursue a career in the private sector?
  • When is the right time for me to hire someone to help me with my small business?
  • I'm 16. What should I do with the money I'm making?
  • Should I finance solar panels?

 

Also Mentioned on the Show:

  • Save BIG on budgeting tools, college must-haves, and more.

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

Aug 3, 2018

"In America right now, we have more jobs available than we have people unemployed. Hello! That's a massive demand for talented people; character people." — Ken

 

Ramsey Personality Ken Coleman starts the show discussing job opportunities in America and takes calls to answer questions on life and career. Featured Call: A sales associate is intimidated by the idea of becoming a sales manager and asks Ken for advice on how to gain the skills needed to do the job. Listen as Ken boosts his confidence and helps him realize he's more qualified than he thinks!

 

Caller Questions:

  • How do I narrow down what career field to go into?
  • What can I do to find a job I'm passionate about?
  • How can I get the skills needed to move into a management role?
  • Should I go back to school to get my bachelor's degree even if I can get hired without it?
  • How do I make more money?

 

Want to Hear More From Ken Coleman? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

Using Google Play? Here are links to the resources mentioned above:

 

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