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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: March, 2018
Mar 30, 2018

Dave shares a few wild stories and answers questions about investing, real estate, budgeting and paying back family loans.

 

Featured Calls:

  • Luis: How to sell an upside-down car?
  • Debt-free Scream: Omega paid off $42K!
  • Amanda: Am I ready to buy real estate?
  • Annette: I need a budget makeover!
  • Kelly: I owe my parents money.

 

Win With Money:

 

Dave Also Mentioned: 

 

Mar 30, 2018

Dave gives practical advice on retirement investing, avoiding college debt and when to buy a house.

 

Featured Calls:

  • Pete: How to fund the 529s for college?
  • Mike: Invest in the stock market?
  • Danielle: Getting a degree without loans?
  • Debt-free Scream: Pam paid off $42K!
  • Kirk: Use mutual funds to pay off the house?
  • Martha: How much house can we afford?

 

Win with Money:

 

 

Mar 30, 2018

Dave offers hope and financial advice to callers who are sick and tired of living paycheck to paycheck!

 

Featured Calls:

  • Essence: Budgeting for biweekly pay?
  • Morgan: Pay off the car while pregnant?
  • Debt-free Scream: Lin paid off $33K!
  • Erika: How do I get started?
  • Dean: Broke and need a new car!

 

Win With Money:

 

Dave Also mentioned:

Mar 29, 2018

Dave answers questions about selling homes, investing, and taking out school loans. Also, Gerald from Alaska is debt-free!

 

Featured Calls:

Lane: Do I take out student loans to go to law school?

Debt-Free Scream: Gerald paid off $180K in 7 years (including the house)!

Kalani: Do I pay cash for a house or invest it?

 

 

Dave Also Mentioned:

Mar 29, 2018

Dave helps callers make informed decisions on sharing finances before you're married (don't), investing, paying off the house, and funding school. Also, Matt and Kati from Kansas City, Missouri scream, "I'm DEBT-FREE!"

 

Featured Calls:

Luke: When do I pay taxes on my side jobs?

Jack: Should I take a HELOC?

Aaron: I'm thinking of switching financial advisors?

Debt-Free Scream: Matt and Kati paid off $60K in 18 months!

Ashley: Should I postpone law school to avoid taking out more loans?

 

Dave Also Mentioned:

Mar 29, 2018

Dave gives callers specific and practical advice on wills, buying out a business, renting vs. buying a home, financial anxiety, and saving your bonuses.

 

Featured Calls:

Sarah: How do I set up my will?

Jovonda: What to do when my car's breaking down and I'm on Baby Step 1.

John: Cash flow medical expenses or use the HSA?

Kelly: When do I know that I'm going to be okay?

Suzanne: Should we use our IRA to pay off some debt?

 

Dave Also Mentioned:

Mar 28, 2018

Dave talks about money market accounts, how to weigh the cost of a college degree, thanking those who help you on your financial journey, and what to do when you lose your job in the middle of paying off debt. 

 

Featured Calls:

Barry: Should I go back to school to change my career?

Susan: How do I say thank you to my stepfather for paying off my student loans as a gift?

Jessica: My husband and I lost our jobs at the same time. Should we use our savings to pay debt, or wait until we have a job?

Isaac: Sell the house and move in with relatives to pay off debt?

Nancy: Use my 403(b) to pay down my student loans?

 

Dave Also Mentioned:

Mar 28, 2018

Dave gives callers advice on selling the motorhome, mixing finances and relationships, and managing a unique type of business. Brandon and Sharen from California are debt-free!

  

Featured Calls:

Andre: How do we get rid of our motorhome?

Gunnar: What to do in Baby Step 5 when college is already paid for in Iceland?

Nick: Should I refinance my mortgage in Baby Step 2?

Debt-Free Scream: Brandon and Sharen paid off over $165K in 16 months (and the house)!

Matt: Do I help my girlfriend with her finances?

 

 

Dave Also Mentioned:

Mar 28, 2018

Dave gives callers specific and practical advice on their jobs, investing in Baby Step 4, car repossession, and paying off debt. Brian and his son came from Colorado to scream, "I'm DEBT-FREE!" DAVE RANT: Being normal sucks, get weird!

 

Featured Calls:

David: How do I avoid the stigma of switching jobs a lot early in my career?

Brook: Should I voluntarily let my car get repossessed?

Debt-Free Scream: Brian paid off $150K in 6 years (including the house)! 

Adam: Save for a house or repay my dad? 

 

Dave Also Mentioned:

Mar 27, 2018

Dave answers questions about the stock market, dealing with a mortgage, paying off debt, saving, and investing. Dave speaks with Dr. Henry Cloud, author of Boundaries. Also, Steve and LeeAnn are debt-free in Columbus, Ohio!

 

 

Featured Calls:

Jonathan: What should I do with my restricted stock units?

Debt-Free Scream: Steve and LeAnn paid off $290K in 4.5 years!

Jonathan #2: Pay off the house or the 401(k) loan first?

Charles: Should I start investing when I start my career after college or wait?

Rob: How do I have my ideal job and balance it with family?

  

Dave Also Mentioned:

Mar 27, 2018

Dave gives callers specific and practical advice on paying off or selling a house, growing your business debt-free, talking to your your teens about college dreams, and debt liability. David and Larissa are here from Kansas City, Missouri to scream, "I'm DEBT-FREE!" Dave talks about what to do when a family member is stealing their kid's identity by taking out debt in their name.

 

Featured Calls:

Timothy: When's the right time to hire my first employee?

Richard: Should my daughter get an art degree?

Debt-Free Scream: David and Larissa paid off $376K in 5 years! 

Leslie: My aunt is taking out credit cards in her 16-year-old daughter's name for herself.

 

 

Dave Also Mentioned:

Mar 27, 2018

Dave talks with Anthony ONeal in studio. Also, Dave gives callers specific and practical advice on leased cars, Social Security, and saving for college. Phillip, Patty and the kids came from Columbia Missouri to scream, "We're DEBT-FREE!" DAVE RANT: How Dave feels when people only follow part of the Baby Steps OR become "financial pharisees."

 

Featured Calls:

Dave: I was told to use VUL life insurance to save for college?

Jeremy: Get a gas station card to build my credit?

Debt-Free Scream: Phillip and Patty paid off $90K in 2.5 years!

Jackie: Should we take early Social Security to help our income?

 

Dave Also Mentioned:

Mar 26, 2018

Dave explains what Baby Step 3b is and gives callers insight on what it takes to get out of debt, preparing for retirement, and how to avoid making mistakes investing your money. Dave gets a visit from Chicago by someone who paid off seven credit cards! Also, Dave explains how to determine how much term life insurance you need.

  

Featured Calls:

  • Haley: About to graduate debt-free. What's my next step financially?
  • Angel: Can we vacation while in debt?
  • Anthony: I'm scared of being scammed by investors. 
  • Debt-Free Scream: Jennifer from Chicago paid off $43K in two years on a teacher's salary! "God provided in ways I couldn't even imagine."
  • Melissa: How much life insurance do we need on Baby Step 7?

 

Win With Money:

 

Dave Also Mentioned:

Mar 26, 2018

Dave gives callers specific advice on student loan consolidation, budgeting, IRAs, and paying off the mortgage early. A couple traveled all the way from Los Angeles to visit Dave in studio and yell, "I'm DEBT-FREE!" Also, Dave explains how to stay focused on long-term career goals.

 

Featured Calls:

  • Casey: Should I refinance my student loans?
  • Patnacia: Move out of my parents' house while in debt?
  • Daniel: How to handle changes in military retirement options?
  • Chad and Charlene: Pay off the mortgage or invest?
  • Debt-Free Scream: Chris and Sarah paid off $125K by putting one foot in front of the other and using the cash envelope system: https://goo.gl/9DiojA !
  • Nathan: Should I start my own business?

 

Win With Money:

 

Dave Also Mentioned:

Mar 26, 2018

Dave answers questions about starting a small business and renting a car without a credit card. DAVE RANT: How Dave feels about companies that make it hard on people to use cash or debit cards. A couple from Houston, Texas visits Dave in the studio after paying off over $200K to yell, "I'm DEBT-FREE!" Dave explains why voluntary repos are not the way to go.  

 

Featured Calls:

  • Ken: Should I buy a house now while I still have a credit score?
  • Joshua: Smart to start a small business while in debt?
  • Colleen: Which rental car companies take a debit card?
  • Debt-Free Scream: Jeremy and Erica paid off $235K after being inspired by the testimonies in The Total Money Makeover: https://goo.gl/P55kSf
  • Tracy: How should I take my pension?
  • Kasey: I have a 19% car loan. Is a voluntary repo a good idea?
  • Chelsea: How can we afford childcare if we have another baby?

 

Get Out of Debt:

 

Dave Also Mentioned:

Mar 23, 2018

Dave gives callers specific and practical advice on investing and budgeting. Also, Dave talks about the secret of contentment and his issue with the term "Financial Independence." A family of six from Atlanta visits Dave in studio to share their story and yell, "I'm DEBT-FREE!" At the end of the show, Dave explains what to look for when interviewing financial advisors and why you should stop investing to pay down debt first.

 

Featured Calls:

  • Chelsea: How should I invest my money?
  • Cole: I'm getting married in September and graduating college in December. How should we budget for the unknown?
  • Debt-Free Scream: Greg and Jennifer (and kids) paid off $373K! "A happy marriage is a marriage that starts on the same page."
  • Lori: Should we change financial advisors? Our current one is 400 miles away.
  • Jeff: Should I charge my mom rent?
  • James: I'm 24, addicted to investing, and don't want to stop to pay down debt.

 

Win With Money:

 

Dave Also Mentioned:

Mar 23, 2018

Dave gives insight on home appraisals. Stephen Mansfield joins Dave in studio to talk about warning signs that corporate leaders are about about to crash. Also, Dave empowers callers to take control of their lives and money.

 

Featured Calls:

  • Clayton: I'm going through a divorce, and my wife is changing the terms on me.
  • Debt-Free Scream: Chris and Catherine paid off $800K! 
  • Melinda: I'm worried that I'm a tightwad!
  • Jennifer: My husband is on disability, and we're behind on our bills.

 

Win With Money:

 

Find Stephen Mansfield:

 

Dave Also Mentioned:

Mar 23, 2018

Dave answers questions about FICO scores, mortgages, planning for maternity leave, and child support. A  couple from Alabama visits the studio to share their journey to financial peace and scream, "I'm DEBT-FREE!"

 

Featured Calls:

  • Caleb: How long does it take to get to a zero credit score?
  • Belle: Our family took advantage of us, and now we are $50K upside-down on our mortgage.
  • Kristen: Do we have enough saved for maternity leave?
  • Heather: My ex-husband is abrasive when I bring up child support. How do I approach him?
  • Debt-Free Scream: Tyler and Whitney paid off $82K! "It's made a huge difference in our marriage!"
  • Tamara: I feel like we're going to get stuck in the Baby Steps living in Los Angeles.
  • Daniel: Best way to give friends financial advice?
  • Mike: How do I handle my wife's overspending?

 

Get Out of Debt:

 

Dave Also Mentioned:

Mar 22, 2018

Dave reminisces about Toys R Us and explains why they had to declare bankruptcy. Also, Dave comments on new policies by Citigroup and the volatility of the stock market. Callers get practical advice from Dave on savings accounts, getting life insurance quotes, and getting out of a car lease.

  

Featured Calls:

  • Zack: Where should I put the money I'm planning to use as a down payment for a house?
  • Lee Ann: Should we use our investments to pay off our mortgage?
  • Debt-Free Scream: Joe and Sarah paid off $170K on a police officer's salary!
  • Lindsey: I discovered credit card companies have a "Dave Ramsey" script to keep you from closing the account!
  • Victor: How do I get out of a leased car?

 

Take Control of Your Money:

 

Dave Also Mentioned:

Mar 22, 2018

Dave gives practical advice on how to decide when to move and when to start investing, and encourages callers to avoid five of the most common mistakes college students make. Tyler and Jensena share how they found creative ways to do fun things while working the debt snowball.

 

Featured Calls:

  • Kay: We live two hours away from my husband's job. Should we move closer while still in debt?
  • Crystal: I make $6K and have a $20K car lease. Can I start investing?
  • Ally: My husband died, and I don't want to stay in the house full of memories. Will it hurt us financially to move?
  • Cynthia: I'm scared because I don't know how my financial advisor has invested my money.
  • Debt-Free Scream: Tyler and Jensena paid off $200K!
  • Sarah: What's a term-conversion life insurance policy?

 

Win With Money:

 

Dave Also Mentioned:

Mar 22, 2018

Dave empowers callers to stop borrowing money and get out from under the weight of debt, worry less, and find financial peace! Hear Dave's good-ol-boy analogy of what it's like to invest money in cryptocurrency. During the second half of the episode, Dave gives insight on how loans between family members can affect relationships negatively.

 

Featured Calls:

  • Brittany: We're thinking about moving in with family or taking out more student loans. How should we use our tax refund to help?
  • Jason: We've decided to get out of debt, but I have money invested in cryptocurrency. Should I sell it now or wait for the value to go back up?
  • John: Will my credit score take a hit if I cancel my credit card?
  • Simon: My uncle is insisting that we accept a $120K loan to buy a house.
  • Shadae: Should we buy the house we're renting?
  • Heath: I think my fiancĂ©e is lying about money after a past bankruptcy. How do I find out?

 

Win With Money:

 

Dave Also Mentioned:

Mar 21, 2018

Dave gives insight on investing in Roth IRAs or 401(k)s, long engagements, the truth about tax brackets, saving for retirement, military pensions, ETF investing, and building wealth by following a plan that works.  

 

Featured Calls:

  • Aaron: Should I buy a house or pay of student loans?
  • Charles: Pay off my house while on disability?
  • Andrew: Save for a honeymoon while in debt?
  • Another Andrew: Which military retirement plan is better?
  • Micah: Sell the house to pay for school? 

 

Take Control of Your Money:

 

Dave Also Mentioned:

Mar 21, 2018

Parenting expert Dr. Meg Meeker joins Dave in studio. Also, Dave answers questions about car buying, how to pay down debt fast, writing resumes, and life insurance.

 

Featured Calls:

  • Maribel: How to stop the fighting between my son and his dad?
  • Matthew: How much car should I buy?
  • Michelle: Sell the house to get out of debt faster?
  • Maureen: Pay someone to write my resume?
  • Tony: How much life insurance do we need?

 

Win With Money:

 

Dave Also Mentioned:  

Mar 21, 2018

Dave gives practical advice on saving for college, taking time to heal from tragedy, getting out of debt, increasing your influence with family, and giving automatic withdrawal access to your checking account.

 

Featured Calls:

  • Priscilla: Sell our house to save for college?
  • Todd: Return to work after loss of infant son?
  • Debt-Free Scream: Collin and Jessica paid off $45K using EveryDollar. Budgeting is easy with the EveryDollar budgeting app: https://goo.gl/j2acMb
  • Elizabeth: What happens to your debt when you die?
  • Monica: How to say no to gifts purchased on credit?

 

Get Out of Debt:

 

Mar 21, 2018

Dave gives practical advice on how to make big decisions, funding college accounts, choosing life insurance, dealing with broke family members, and investing like a millionaire.

 

Featured Calls:

  • April: Move to a better school district?
  • William: Fund 529s with my cash?
  • Tonya: Should I get whole life insurance?
  • Tricia: How to help my dad financially?
  • Tony: Stop investing to pay off my mortgage?
  • Laura: Repair the car or buy another one?
  • Erica: How to handle what I owe my grandma?

 

Win With Money:

 

Dave Also Mentioned:

 

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