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The Dave Ramsey Show

Get motivated and stay on track with your goals by listening to The Dave Ramsey Show, the fourth most downloaded podcast of 2017. In each show, Dave answers questions from listeners on subjects like debt, investing, retirement, insurance, and marriage. A best-selling author, Dave has sold over 10 million books. For more information, visit www.daveramsey.com
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Now displaying: August, 2018
Aug 31, 2018

Dave answers questions from across America about your life and your money. Debt-Free Scream: A family from Iowa visits the show to share how they paid off $80,000. Special Guest: Retirement expert Chris Hogan joins Dave in studio to discuss a millionaire study that destroys money myths that say the American Dream is dead.

 

Discover the Truth. You CAN Become a Millionaire:

 

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Aug 31, 2018

Dave answers questions from across America about your life and your money. Debt-Free Scream: A "weird" family in Oklahoma visits the show to share how they paid off their mortgage!

 

Be Weird. Budget With EveryDollar: 

  • Create your first budget in just 10 minutes with EveryDollar!

  

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Aug 31, 2018

Retirement expert Chris Hogan answers questions from across America about your life and your money. Featured call: A Marine in North Carolina wants to know if it's a smart idea to cash out a 401(k) to pay down debt. Listen as Chris explains the best way to attack debt and build wealth. 

 

Get Out of Debt:

 

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Aug 30, 2018

Dave answers questions from across America about your life and your money. If you're ready to help people change their lives and leave a lasting legacy for their family, leading a Financial Peace University group is fun and easy. Become a FPU Coordinator today to have a front-row seat as people start taking control of their finances! You don't have to be out of debt, and you don't have to have a finance degree. You just need to be available to cheer people on as they start their debt-free journey!

   

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Aug 30, 2018

Dave answers questions from across America about your life and your money. The key to taking control of your finances is budgeting. Know exactly what you're bringing in and what you're spending so you can start telling your money what to do! 

  

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Aug 30, 2018

Dave answers questions from across America about your life and your money. Debt-Free Scream: A newlywed couple from Colorado calls the show to share how they paid off over $74,000 in 13 months! Dave Rant: "Crap—4th grade math will get you out of debt . . . how hard is this?!" 

  

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Aug 29, 2018

Dave answers questions from across America about your life and your money. 

  

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Aug 29, 2018

Dave answers questions from across America about your life and your money. Featured call: A caller from St. Louis tells Dave he thinks he can by-pass the proven "Debt Snowball" method by paying off his higher interest loans first. Listen as Dave explains why it's pointless to try to cheat the steps: "The power of focus far supersedes whatever forced discipline that you can create there." Debt-Free Scream: A family from Kentucky visits the show to share what motivated them to start their debt-free journey: "We had these payments piled up on the table and we had a whole lot of payments left at the end of our paychecks on a monthly basis. It was just an overwhelming fear of 'How am I going to be able to support my family?'"   

 

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Aug 29, 2018

Dave answers questions from across America about your life and your money. Featured call: A homeschool dad in Chicago has two brand-new high school graduates and wants advice on how to pay cash for college. Listen as Dave gives personal insight on how he paid for school and what you can do to build character and get a debt-free education: "The goal here is: be SMART people. The goal is not the college experience." Everyday Millionaire: Dave interviews a veteran from North Carolina who "got rich slowly" by living on less than he made and saving! Debt-Free Scream: A couple in Wisconsin calls the show to share how they paid off $30,000 in just one year and yell, "We're DEBT-FREE!"  

  

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Aug 28, 2018

Dave answers questions from across America about your life and your money. Featured Call: A man in Florida asks Dave if his in-laws should do a reverse mortgage on their home. Listen as Dave explains why reverse mortgages are one of the worst financial choices you can make. Debt-Free Scream: A couple from Iowa visits the show to share how they paid off $52,000 in just 2 years!

  

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Aug 28, 2018

Dave opens the show with the story of how he created "The Baby Steps" to help people get out of debt and take control of their money so they can become millionaires and change their family tree forever! "You shouldn't be living paycheck to paycheck. You work too hard to be broke." — Dave

Dave answers questions from across America about your life and your money. Featured Call: A man in Detroit is wondering what he should expect to pay a financial advisor. Dave gives insight on Managed-Account payment models. Debt-Free Scream: A single mom from New Mexico calls the show to share how she paid off $64,500 in less than 2 years.

  

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Aug 28, 2018

Dave opens the show by addressing the hopeless haters on social media who think it's impossible to build wealth without taking out student loans: "Don't tell me you can't go to school debt-free. You've chosen not to go to school debt-free." Dave answers questions from across America about your life and your money. Featured call: A wife in Texas is being audited by the IRS and doesn't want to tell her husband about a new bill that's due. Listen as Dave explains the best way to handle finances in marriage. Debt-Free Scream: A single mom in Connecticut calls the show to share how she paid off $40,029 in one year: "I was working a whole lot and every dollar that I made from overtime went towards the debt."  

  

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Aug 27, 2018

Dave answers questions from across America about your life and your money. Featured Question: A man in Washington asks Dave if it's okay to use the emergency fund to replace "Sally the Truck" because it has no heat. Dave has lots of fun chatting with this gazelle-intense caller: "A guy who has a space heater plugged in to the cigarette lighter in his car will never borrow money again!" Debt-Free Scream: A couple in Minnesota calls the show to share how they paid off $134,000 in less than 2 years: "We didn't make a single money decision . . . without talking to each other." DAVE RANT: Dave remembers John McCain and remarks on how it's sad that Americans can't disagree without being disagreeable.

 

Calls This Episode:

  • Should I use our emergency fund to replace our car?
  • Is it best to sell my land to pay off student loans and finish my degree?
  • I want to become a dentist, but going into that much debt intimidates me.

 

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Aug 27, 2018

Dave answers questions from across America about your life and your money. Everyday Millionaire: Dave interviews a man in Texas with an investing question who consistently put money into his 401(k) over the years: "I never thought I'd be a millionaire, but here I am." Debt-Free Scream: A couple from Indiana visits the show to share their "Maternity Pants Meltdown" debt-free story!  Twitter: Dave responds to a question on Twitter about survivor benefits. Follow @DaveRamsey on Twitter to post your own question for Dave!

 

Calls This Episode:

  • When should I start investing in a Roth IRA?
  • I'm living paycheck to paycheck and cant' get ahead.
  • How should I spend my nest egg?
  • Would it be better to sell my house without a real estate agent so I can make more on it?

  

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Aug 27, 2018

Dave opens the show with a classic DAVE RANT: "The problem is . . . you couldn't resist buying crap that you didn't have the money for." Debt-Free Scream: A project manager from Georgia visits the show to share what motivated her to pay off $69,000 in just over one year! Studio Guest: Ramsey Personality Rachel Cruze joins Dave in studio to discuss contentment and to answer questions from across America about your life and your money. Featured Call: A newly engaged man in Ohio calls the show because he's struggling with the idea of pausing retirement investing in order to pay off student loans. Listen as Dave and Rachel explain the importance of being focused on the goal to pay down debt quickly!

  

How to Find Rachel Cruze:

 

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  • Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired.  

 

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Aug 24, 2018

"Any time I can move money into your name early in the process—meaning you own it and you control it no matter what happens—that means you're gonna come out ahead." — Dave

 

Dave answers questions from across America about your life and your money. DAVE RANT on shacking up vs. marriage. Featured call: A woman in Boston is ready to cut her commute by moving closer to the city and is undecided on whether renting or buying a home is her best option. Listen as Dave walks her through some basic renting vs. home-buying guidelines. Millionaire Interview: Dave talks to a millionaire in Colorado Springs to discover how he built his wealth: "One of the things I did to avoid having a big education loan was to work my way through college." 

 

Calls This Episode:

  • Should we pay down our mortgage or save for a new house?
  • Which Baby Step does a HELOC go in?
  • Is it smart to take a blended military retirement option?
  • Can I buy a house in Baby Step 2 while I still have debt?
  • We're moving closer to the city and can't decide whether to rent or buy.
  • Should we put the debt snowball on pause to save for a move?
  • I'm nearing retirement. Should I use my IRA to pay off my mortgage?

 

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Aug 24, 2018

"You don't want to turn an emotional loss into a financial battle." —Chris Hogan

 

Retirement expert Chris Hogan joins Dave in studio to discuss best practices in leaving a legacy for your family. Dave and Chris answer questions from across America about your life and your money. Featured call: A dad in New York makes over $220 a year but isn't making progress on paying down debt. Listen as Chris challenges him to take responsibility for the problem: "The thing is, you have to make a decision for yourself. Are you going to keep making these credit card companies rich . . . or are you going to do the thing that I think you want to do deep down in your heart? And that's building a legacy for you, your wife and your children." Millionaire Study: Dave and Chris discuss the results of the largest study of net-worth millionaires ever done.

 

Calls this Episode:

  • My debt-free process isn't working. 
  • Can I afford to buy a lake house?
  • Is it okay for me to buy a more expensive car?
  • Should I accept a low-ball offer on my house?

  

Want to Hear More From Chris Hogan? 

 

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Aug 24, 2018

"The worst car accidents happen on the showroom floor." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A wife in Texas is scared to use savings to buy a car and wants to let her husband get a lease to make him happy. Listen as Dave explains how her behavior is codependent and why leasing a car is financially stupid: "It's the most expensive way to operate an automobile." Debt-Free Scream: A young couple from Memphis, Tennessee visits the show to share their debt-free journey: "We cash-flowed a car and lived in a tiny apartment, and we didn't care if we looked crazy to anyone else."

 

Calls This Episode:

  • My car lease won't let me raise my insurance deductible.
  • Should I try to get a settlement on my credit cards or pay them in full?
  • Should I say yes to my husband leasing a car?
  • Would it be a good investment to buy a locksmith business?
  • Do we make enough money for me become a stay-at-home mom?
  • Do we have to include our car lease in Baby Step 2?
  • Can I retire early?

 

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Aug 23, 2018

"The more expensive a vehicle is the more difficult it is to sell." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A man in Texas needs advice because he owes $49,000 on a truck and only makes $60,000 per year. Listen as Dave explains how get out from under the vehicle: "You need to find what your payoff balance is." Debt-Free Scream: A couple from North Carolina visits the show to share how they paid off $60,000 in less than 2 years.

 

Calls This Episode:

  • I owe $49,000 on my truck. How do I sell it?
  • I don't make enough to save $1,000 for Baby Step 1.
  • How fast can I pay off our student loans?
  • Should I start a side hustle?
  • How can I set boundaries with my family?

 

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Aug 23, 2018

Dave answers questions from across America about your life and your money. Social Media: Dave responds to a question on Twitter asking why he doesn't help his callers by giving them money. Follow @DaveRamsey to post your own question for Dave. Special Guest: Dave interviews Craig Groeschel on air about doubting your faith. "Don't deny your doubts. Don't pretend they're not there. I believe God would rather you yell at him than to walk away from Him." — Craig Groeschel  Debt-Free Scream:  A couple from Memphis, Tennessee visits the show to share how they paid off $35,000 in just 13 months! 

 

Calls This Episode:

  • What's the best way to budget for our wedding?
  • What should be our first priority in Baby Step 4?
  • How much of my net worth should be tied up in property?

 

Find Craig Groeschel: 

  

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Aug 23, 2018

"Common sense is like having a super power." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A Texas landlord asks if he should pay off his current rental before he buys a house with his girlfriend? Listen as Dave coaches him through the best way to approach investing in rental properties as a way to build wealth. Debt-Free Scream: A family from New York visits the studio to share how they went from normal to paying off $40,000 in just one year: "We thought that student loans stay with you forever."  

 

Calls This Episode:

  • Should I sell my house to pay off $91,000 of student loans?
  • How do I prepare for my baby's future since he has Downs Syndrome?
  • Is it better to pay down my first rental, or should I take an opportunity to purchase another one?
  • How much should I save on top of my state-funded pension?
  • Should I use my 401(k) or a Roth IRA for investing?
  • Is it smarter to save for taxes or pay off my car?
  • Should I sell my property and invest the proceeds?

  

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Aug 22, 2018

"You just told me your husband was passive. That's like the worst possible thing you can say about a guy!" — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A scared wife in Florida needs advice on how to get her husband to take an active role in their finances. Listen as Dave explains how to talk to a man in a way that gets his attention: "Guys are thick. We don't do subtly."  Debt-Free Scream: A family from Boston visits the studio to share how they paid off over $26,000 in less than a year so they can afford their first house! Learn the Baby Steps: Dave ends the show talking to a brand-new listener about the proven plan to ditch debt—for good— and build incredible wealth.

 

Calls This Episode:

  • I have $150,000 in debt and can barely afford paying my bills.
  • How do I get my husband involved with our finances?
  • Should I be saving for a house or investing?
  • Is it okay to get a zero percent car loan?

  

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Aug 22, 2018

"There is no data that says the size of the ring equals the success of the marriage." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A grad student from Philadelphia needs advice on when to get married and how much to spend on a ring and the wedding. Listen as Dave gives some practical budget guidelines and explains what makes a successful marriage: "There are lots of data points that say you two need to be on the same page when you get married."  Debt-Free Scream: A chef in Detroit, Michigan calls the show to share how it feels to pay off over $32,000 in just one year: "It is a huge weight off my shoulders . . . it feels amazing."  MINI DAVE RANT: "This is not a get-out-of-debt program. It's a wealth-building program." Social Media: Dave responds to a question on Facebook: "Is it better for newlyweds to rent or to buy?" Follow @DaveRamsey on Facebook to post your own question for Dave!

 

Calls This Episode:

  • At what age should I start drawing my retirement pension?
  • How do I figure out my net worth?
  • What should I spend on the wedding?
  • I don't feel comfortable getting joint bank accounts with my husband until we're on the same page with a budget.
  • Should I defer my student loans?

  

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Aug 22, 2018

 "I'm a natural spender . . . I figured out I could spend more if I had more." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A man in Chicago calls Dave asking for advice because he can't seem to get motivated to save money. Listen as Dave gives him three significant reasons to start saving, even if you're a natural spender. Debt-Free Scream: A couple in West Virginia calls the show to share their debt-free journey: "It became sorta fun—we're watching our budget and watching our debt just trickle down." DAVE RANT: "How much would you give if you weren't broke?" 

 

Calls This Episode:

  • How can I be better at saving money?
  • Am I over-obsessed with investing?
  • Is it wise to consolidate student loans?
  • Am I obligated to pay back a Parent Plus loan?

  

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Aug 21, 2018

"Wealth building isn't easy. It's unusual." — Dave

 

Dave answers questions from across America about your life and your money. Debt-Free Scream: A newlywed couple from Ohio visits the show to share how they paid off their student loans:"Live below your means and stay gazelle intense." 

 

Calls this Episode:

  • How much should my business have in its emergency fund? 
  • Should we refinance our mortgage?
  • I can't get $1,000 saved for my starter emergency fund.
  • Should I go back to school or move to an area where I have better job opportunities?

  

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