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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: April, 2018
Apr 12, 2018

Dave explains that sometimes your main motivation is simply retiring with dignity. Also, Dave shares his opinion on hobby investing and the get-rich-quick mentality. A family of "weird people" visits Dave in the studio to yell, "We're DEBT-FREE!" Dave helps a stay-at-home mom decide whether to go back to work and warns against over-buying insurance.

  

Featured Calls:

  • Rose: I'm having a hard time staying motivated because the budget is so sparse.
  • Zack: What are your thoughts on peer-to-peer lending?
  • Diego: Should I use my girlfriend's income to pay off the house?
  • Debt-Free Scream: Dustin and Tricia paid off  the last $80,000 of their mortgage in less than a year!
  • Heavenly: How can we pay off our last debt if I stay home?

 

Win With Money:

 

Dave Also Mentioned:

Apr 12, 2018

Dave answers questions about refinancing mortgages, old 401(K)s and risky Airbnbs. Fan Favorite: Dave Reads Mean Tweets! A couple comes all the way from Florida to visit Dave in the studio and scream, "We're DEBT-FREE!" Dave explains what formula to follow when deciding to go full time with your side-hustle.

 

Featured Calls:

  • Nick: Refinance to a 20-year mortgage?
  • Sharon: What should I do with an old 401(k)?
  • Susie: Keep our rental as an Airbnb?
  • Debt-Free Scream: Kenny and Nancy paid off over $86K in less than two years. "We definitely wanted to change our family tree."
  • Jean: Is a CD the best way to save for retirement?
  • Josh: When can I quit my job to go full time with my own business?

  

Get Out of Debt:

 

Dave Also Mentioned:

Apr 11, 2018

Dave gives practical advice on how handle tough conversations with toxic family members and what to do if your rental property tenants are also family. A single dad in New York calls Dave to yell, "I'm DEBT-FREE!" Dave explains why money isn't always the deciding factor on life decisions.

 

Featured Calls:

  • Keenan: Should we talk to our toxic family about our will?
  • Alan: We're renting to family but want to sell the property to pay down debt.
  • Debt-Free Scream: Mark paid off nearly $200K following Dave's Baby Steps after reading The Total Money Makeover. "I don't ever want to look at another can of chicken again!" 
  • Justin: Should I take a job in Denver?
  • Patty: Which medical settlement should we accept?

  

Get Out of Debt:

 

Dave Also Mentioned:

Apr 11, 2018

Dave gives insight into small business taxes and how long to hold on to important financial documents. Dave tells a caller that her husband needs to "man up." A law student asks for advice, but Dave realizes she's smarter than he is! A couple from Miami visits Dave in the studio to get career advice.

 

Featured Calls:

  • Andy: Should we be taking a salary from our business?
  • Melinda: I'm a document hoarder. What should I keep?
  • Ellie: Is it too late to start saving for retirement?
  • Melissa: I'm ready to attack our debt, but my husband doesn't like talking about money.
  • Andie: Working two part-time jobs in law school. Can I quit one?
  • Mark: My wife died last month, and I'm not sure how to sell the house.
  • Liz and Ray: Should we consider moving? I might get laid off this month.
  • Andrew: How do I get control of my debt?

 

Win With Money:

 

Dave's Hiring!

 

Dave Also Mentioned:

Apr 11, 2018

Dave explains the basic idea that not paying income tax is breaking the law (duh!) and gives practical advice about when to buy or sell a home. A spunky Italian calls in with a car question and cracks Dave up! A couple from Cincinnati visits Dave in the studio to scream "We're DEBT-FREE!" Dave shares opinion on cultural and Jewish rite-of-passage events, and how much to spend on big celebrations.

 

Featured Calls:

  • Kassie: Is there a benefit to getting a job "under the table?"
  • Karen: Do I need long-term disability insurance?
  • Karly: Are we ready to buy a house?
  • Amy: Where should we park $15,000 for a car purchase?
  • Debt-Free Scream: Jim and Sarah paid off $214,000! "We can breathe now."

  

Get Out of Debt:

 

Dave Also Mentioned:

Apr 10, 2018

April is Financial Literacy Month, and we're celebrating in a huge way! Ramsey Solutions, along with Amridge University, is inviting high school students across the country to test their personal finance knowledge by taking the $20,000 Financial Literacy Challenge. Also, teachers could win a $5,000 vacation for two!

 

More From Anthony ONeal:

 

Featured Calls:

  • Carolyn (and her class full of students): What is the best way to start in the stock market?
  • Grayson: What are the pros and cons to the retirement options offered by the army?
  • Rhonda: One of my students feels pressured to pursue a career he doesn't think he'll enjoy.
  • Larry: What is the implication of the national debt on current high school students in the future?
     

Teacher Appreciation Giveaway: Win a $5,000 Vacation for Two! https://goo.gl/u3rAar

 

Students, Take the $20,000 Financial Literacy Challenge: https://goo.gl/nrkNtr

 

Dave Also Mentioned:

Apr 10, 2018

Dave explains his proven seven-step plan to get out of debt and build wealth. Also, Dave advises on how to settle with debt collectors. A couple in Germany calls Dave to yell, "We're DEBT-FREE!" Dave explains why a tax bill goes straight to the top of the debt snowball.

 

Featured Calls:

  • Kris: Should I fund my 2017 IRA for tax reasons?
  • Christian: How do I settle a student loan in collections?
  • Bill: Is my dad being ripped off by his insurance agent?
  • Debt-Free Scream: Tim and Carrie paid off $96,000! "I was stuck on stupid for a long time."
  • Tim: I have an income problem and no future plan.
  • Katie: When should we pay our 2017 tax bill?
  • Cory: Should I use a student loan forgiveness plan?

 

Get Out of Debt:

 

Dave Also Mentioned:

Apr 10, 2018

Dave offers hope and encouragement to a single mom who is overwhelmed by life and debt. A young couple from Canada visits the studio to scream, "We're DEBT-FREE!" Also, Dave shares which books he likes to binge-read. Retirement expert Chris Hogan joins Dave in  studio to answer questions about foreclosures and investing. 

 

More From Chris Hogan:

 

Featured Calls:

  • Melody: I'm in a dead-end job with debts totaling $80,000, and I don't know where to start.
  • Debt-Free Scream: Peter and Jessica paid off $335,000 after learning about the power of compound interest in Financial Peace University! "We had our first budget meeting on our honeymoon."
  • Pam: My home has no value due to structural damage.
  • Jacob: I'm 20 and don't know what I should be doing to build wealth.
  • Mark: I'm self-employed. What's my best investing option?
  • L.J.: Should I get rid of my horse to help me get out of debt?

 

Get Out Of Debt:

 

Dave Also Mentioned:

Apr 9, 2018

Dave uses personal experience to help callers with money questions and gives specific advice on student loans, giving money to family, and life insurance. Also, Dave explains why he tells people to save $1,000 before putting extra money toward debt. Dave takes a call from New York from someone who gave up hair-cuts to become DEBT-FREE all on her own!

 

Featured Calls:

  • Randy: I want to take out $150K in student loans to become a physical therapist.
  • Debt-Free Scream: Laura paid off $28K! "I had a lot of people cheering me on, but they also thought I was a little crazy."
  • Cindy: My niece is financially irresponsible. Should I donate to her GoFundMe?
  • Kristen: Should we renew my dad's life insurance?

 

Get Out Of Debt:

 

Dave Also Mentioned:

Apr 9, 2018

Dave answers questions about investing and motivates callers from 20 to 68 (and any age between) to build wealth by getting on a proven step-by-step program to beat debt for good! Also, Dave shares his opinion on multi-level marketing companies.

 

Featured Calls:

  • Ryan: Should I take comp time or take overtime pay?
  • Ken: Wiser to pay down debt or invest?
  • John: Should I use an IRA to buy a house?
  • Eric: I doubled my income and I'm not sure how to handle it.
  • Alexis: How much can I spend on fun in Baby Step 6?
  • Dan: Are MLMs a good idea?

 

Start Building Wealth:

 

Dave Also Mentioned:

Apr 9, 2018

Dave gives a shoutout to Boston! Rachel Cruze (Dave's daughter) is in the studio to talk about her brand-new show, The Rachel Cruze Show! "If it's a part of your life, it's a part of our show!" (Watch the first episode here to have fun learning how to create the life you love: https://goo.gl/GaCGoP) Dave answers questions about buying cars and how much money to keep in savings while getting out of debt. Also, Dave empowers callers to beat student loan debt fast and how to decide when to put your money toward your life goals.

 

Featured Calls:

  • Cheryl: Should we buy used cars or can we buy brand new?
  • Jessica: I just cut up my credit cards. What do I do with my savings?
  • Jo-El: I have two bachelor degrees and will have $2,200 monthly student loan payment when I graduate.
  • Elias: In law school. When can I start spending money on a little fun?
  • Demetri: Should I get a master's?

 

More From Rachel Cruze:

 

Dave Also Mentioned:

 

Apr 6, 2018

Dave helps callers understand what it takes to change the "normal" in their lives and gives practical advice on budgeting, addressing money problems in marriage, borrowing money and retirement.

 

Featured Calls:

  • Vanessa: Can I afford my New York apartment?
  • Jason: Money is at the root of my marriage-in-crisis.
  • Sam: Should I get another lower-interest loan to pay off another loan?
  • John: Am I set for retirement? 

 

Get Out of Debt for Good:

 

Dave Also Mentioned:

Apr 6, 2018

Dave reveals the truth about credit scores, the value of gold, and when to buy term life insurance. A couple from Detroit visits Dave in the studio to scream, "I'm DEBT-FREE!"

 

Featured Calls:

  • Victor: Does getting a credit check hurt our credit score?
  • Joe: When should I take Social Security?
  • Kathy: Should I convert my jewelry to cash?
  • David: Should we wait until we've bought a home to cancel our credit cards?
  • Debt-Free Scream: Jeff and Carrie paid off $105K!
  • Lexi: My mom lost her job, and we're living in a hotel.

 

Win With Money:

 

Dave Also Mentioned:

Apr 6, 2018

Dave motivates callers to do whatever it takes to beat debt and gives expert insight on how to win with money and build wealth. You can take control of your money and life! 

 

Featured Calls:

  • Ally: I can't get control of my debt and money!
  • Dave: Should I use debt consolidation?
  • Jared: Am I in a good position to help my parents?
  • Jessica: My student loans are making me panic!

 

Tools to Fight Debt and Win:

 

Dave Also Mentioned:

Apr 5, 2018

Dave gives practical advice on the right way to save for college, dealing with collectors who act like toddlers, when to talk about money and debt before getting married, and saving a down payment for a house. A couple traveled all the way from Texas to visit Dave in the studio to yell, "I'm DEBT-FREE!"

 

Featured Calls:

  • Joe: How do I handle a collector asking for personal information?
  • Dan: Struggling to reach 15% in Baby Step 4.
  • Greg: How do I talk to my fiancee about debt?
  • Debt-Free Scream: Ivan and Lulu paid off their mortgage!  
  • Jesse: Can I cancel a debt consolidation?

 

Win With Money:

 

Dave Also Mentioned:

Apr 5, 2018

Dave rants about America's $1 trillion obsession with cars and car debt: "It's stupid on steroids!" Also, Dave explains mutual funds, why term life insurance is better than whole life, how to get out of debt quickly and the best way to become a financial advisor. Dave shares personal insight on what it takes to start a small business.

 

Featured Calls:

  • Brian: When do we split a 529 into other mutual funds?
  • Eric: Should I convert to whole life insurance?
  • Jane: Is it smarter to invest before we pay off debt?
  • Moses: Are solar panels a wise investment?
  • Dustin: What does it take to become a financial advisor?
  • Michael: How do I start my own business?

 

Win With Money:

 

Dave Also Mentioned:

Apr 5, 2018

Dave answers questions from callers about switching jobs, selling a rental property, how to stick to a budget, and investing in mutual funds. Also, Dave gives practical advice about house payments, long-term care insurance, saving for college and when to use a real estate agent.

 

Featured Calls:

  • Kimberly: Should I take a 50% pay cut for a job I'm passionate about?
  • Carlo: My rental won't sell.
  • Megan: How do I budget with an inconsistent income?
  • Hank: I'm a college student ready to invest. What should I do?
  • Jordan: Our budget is strained by our PMI.
  • Julie: Is my mom too old for long-term care insurance?
  • Joe: Is it necessary to get a real estate agent?

 

Win With Money:

 

Dave Also Mentioned:

Apr 4, 2018

Dave answers questions about long-term care insurance, how to dig out of car debt, knowing when to buy or repair a car, and when to buy rental property. Also, Dave helps a caller sift through how to help her parents' who lost $1 million to family. Dave explains the Baby Steps and how to invest your money for college and retirement.

 

Featured Calls:

  • Renata: Do I have enough money to self-insure?
  • Rachel: We're $18K upside down on a car and can't seem to make progress on the debt snowball!
  • Peggy: Should we buy a new car or repair the one we have?
  • Curtis: Buy a new house and rent the old one?
  • Martha: Am I saving enough for retirement?
  • Renee: My sister stole my parents' identity and left them broke.
  • Aaron: Should we take out a home equity loan to renovate our house before my wife has triplets?

 

Learn the Baby Steps:

 

Dave Also Mentioned:

Apr 4, 2018

Dave talks about how absurd it is to invest student loan money in Bitcoin. (SPIRITED DAVE RANT!) Dave answers questions about how to do a real estate market analysis, how to invest wisely, car repairs, and budget percentages. Also, Dave talks about the retirement crisis in America.

 

Featured Calls:

  • Tyler: About to start my Ph.D. Should I rent or buy?
  • Jennifer: Should I pay off my mortgage with an inherited IRA? 
  • Alex: Should I apply an insurance settlement toward my debt?
  • James: The dealership says I need $7K in repairs.
  • Chrissy: Are HOA fees part of the 25% formula you use?
  • Micaiah: I'm not sure how I'll pay for college this fall.

 

Dave's Hiring:

 

Dave Also Mentioned:

Apr 4, 2018

Dave explains why some people shouldn't spend money on life insurance and how much long-term care insurance to buy. An older couple from Missouri visits Dave in the studio to share their story and yell, "We're DEBT-FREE!"

 

Featured Calls:

  • Maureen: Is pension considered net worth?
  • Erica: Am I too old for term life insurance?
  • Michelle: How do I find an old life insurance policy?
  • Debt-Free Scream: Greg and Pamela paid off $39K in 9 months! "We wanted to die without any debt."
  • Suzanne: Should I sell my house and invest the money?
  • June: How do I know when it's a good time bring a new partner into my practice?

 

Win With Money:

 

Dave Also Mentioned:

Apr 3, 2018

Dave helps callers understand the basics of investing in ESAs and the benefit of focusing on one financial goal at a time. A young college student drops by the studio to ask Dave how she should handle her extra money. Dave gives insight on the number one thing that helps people succeed on the path to wealth. (DAVE RANT!)

 

Featured Calls:

  • Sue: Where should I put savings for my grandkids?
  • Peter: We're newlyweds with student loan debt, but we want to buy a home.
  • Kelly: Why don't you recommend ETFs?

 

Win With Money:

 

Dave Also Mentioned:

Apr 3, 2018

Dave gives callers practical and specific advice about investing options, career choices, and refinancing a mortgage. A single mom calls in at the end of her rope—Dave gives her hope to fight her way out of debt!  

 

Featured Calls:

  • J.J.: Invest in my company's 457 account?
  • Robert: I need help choosing between two job opportunities.
  • Patty: We're getting close to retirement. Should we refinance our home? 
  • Takisha: I'm frustrated, irritated and disgusted! My rent keeps going up, and I can't get ahead.
  • Brandon: Is it worth the money to buy points on a mortgage?

 

Get Out of Debt:

 

Dave Also Mentioned:

Apr 3, 2018

Dave answers calls about compound interest, saving for emergencies, rising mortgage interest rates, and private school tuition. A 30-year-old firefighter from Georgia visits Dave in the studio to yell, "I'm DEBT-FREE!" 

 

Featured Calls:

  • Derek: How long should I stay in Baby Step 3b?
  • Aaron: Should we downsize?
  • Josh: Should we pay for private school?
  • Debt-Free Scream: Joshua paid off $130K after attending Financial Peace University! "Me and my dog just live it up! He gets so many treats now!"
  • Nicole: I'm getting married next year. When should we buy a house?

 

Win With Money:

 

Dave Also Mentioned:

Apr 2, 2018

Dave motivates callers to get out of debt fast, invest 15% of their income for retirement, and take ownership of bad decisions. Also, Dave gives specific advice on the three things you should do with your money once you're debt-free. Finally, Dave shares the secret of success for loving what you do.

 

Featured Calls:

  • Alexandra: Should we cash out our CDs to pay off debt?
  • Luke: Can you settle a debate between me and my wife?
  • Lonnie: We owe taxes and can't pay!
  • Jared: When should I move out of my parents' house?
  • Jane: I don't know what to do with my inheritance.
  • Cody: Should we fix up our double-wide trailer?

 

Get Out of Debt:

 

Dave Also Mentioned:

Apr 2, 2018

Dave gives personal insight on when to buy a house and how to get out of debt quickly. Anthony ONeal and Dave talk about how to help teens start and run their own business. A couple in Colorado calls Dave to scream, "We're DEBT-FREE!" Also, Dave gives expert advice on wills and trusts.

  

Featured Calls:

  • Brian: Is it okay to keep renting while we save for a house?
  • Billy: Should I sell my truck to get out of debt?
  • Debt-Free Scream: Trevor and Crista paid off $178K, including their mortgage! "When I decided to do this I stopped playing video games and went out and got three jobs, which paid a lot more than playing video games!"
  • Todd: It terrifies me to drop $3 million in my kids' laps if I die. How do I handle my will?
  • Brian: Should we take the tax penalty and use my wife's pension to pay off debt?

 

More from Anthony ONeal: 

 

Get Out of Debt:

  

Dave Also Mentioned:

 

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