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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: September, 2018
Sep 24, 2018

Dave answers questions from across America on funding a foundation, buying a house with cash, and Social Security. Debt-Free Scream: A family from Missouri visits the show to share how they paid off their house in just 13 months: "We did a major downsize . . . we were on a minimalist journey, and everything we sold we put towards the house."

 

Transform Your Business and Your Life.

Whether you’re just getting started or you’ve been running a business for years, Business Boutique will give you the tools, training, and support you need to make money doing what you love.

 

Featured Calls:

  • What's the best way to start a foundation?
  • Should we buy a house if we might move in 2–3 years?
  • Is it better for me to wait to take my Social Security?

  

Also Mentioned in This Episode:

  • Learn that building wealth has almost NOTHING to do with your income or your background! Join the millionaire movement with Everyday Millionaires.
  • Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

 

Listen and Watch

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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

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Sep 24, 2018

Dave answers questions from across America on how to make a plan for your money, when to sell your car, and dealing with nosey moms. Special Guest: Ramsey Personality Christy Wright joins Dave in studio to chat about how to reach your goals and grow your business to the next level. Debt-Free Scream: A couple from Indiana visits the show to share what motivated them to pay off $91,000 in just 18 months: "We just did not make enough money. We were struggling."

 

Transform Your Business and Your Life.

Whether you’re just getting started or you’ve been running a business for years, Business Boutique will give you the tools, training, and support you need to make money doing what you love.

 

Featured Calls:

  • How do we put together a 5 and 10 year plan for our cash?
  • Should we sell our cars?
  • My mom doesn't like how I'm paying off my debt.

  

Also Mentioned in This Episode:

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

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 24, 2018

Dave answers questions from across America on what to do with your inheritance, budgeting with an irregular income, and dealing with business debt. Debt-Free Scream: A couple from North Carolina visits the show to share their debt-free story. They paid off $207,000 in less than 3 years:"It doesn't matter how far down you start, as long as you are moving upward and getting faster as you go up." 

 

You Can Do This. It's Up to You.

Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires to learn how you CAN become a millionaire.

 

Featured Calls:

  • What should I do with the $50,000 my dad left me when he died?
  • What's the best way to budget when I don't have a regular income?
  • How can I get my business out of debt?

  

Also Mentioned in This Episode:

  • You CAN win with money. We'll show you how at a Smart Money event.
  • Find a qualified SmartVestor investing professional near you.
  • Financial Peace University will help you take control of your money, plan for your future, and transform your life.
  • Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!
  • Learn the simple seven-step plan to get out of debt. Read The Total Money Makeover.
  • Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

 

Sep 21, 2018

Dave answers questions from across America on bitcoin, paying your tax bill, and paying cash for grad school. Debt-Free Scream: A couple from Indiana visits the show to share how they paid off $128,000 using EveryDollar: "You can't sacrifice what you want most for what you want RIGHT NOW." If you're freaked out by debt, don't burn your house down! This episode can help you win with money.

 

You CAN Win With Money:

  • Smart Money will give you the momentum you need to kick-start your financial goals
  • At Smart Conference, you will learn powerful, proven methods to help you make a real impact in the key areas in your life. 

 

Featured Calls:

  • Is bitcoin a scam?
  • I'm confused because I don't know who to talk to about my finances after my husband's death.
  • What's the best way to budget extra cash after relocating to Germany?

 

Also Mentioned in This Episode:

 

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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

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Sep 21, 2018

Dave answers questions from across America on getting rid of an upside-down car, credit card rewards, and pensions. Debt-Free Scream: A couple in New York calls the show to share what motivated them to pay off $77,000 in just nine months: "Our relationship started to get rocky. It was just fights after arguments and all that." If you're sick of not having a plan for your money, this episode can help you win with money.

 

Help People Win With Money:

Lead a Financial Peace University Group.You don't have to be a financial expert to lead a class—Dave Ramsey will handle all the teaching! Use online resources and your Coordinator Guide to prepare for each lesson and the class discussion questions.

 

Featured Calls:

  • We need to save three-six months of expenses before getting out of debt to stay in the foster parent program.
  • Is it okay to use credit cards for the cash back rewards? 
  • Will having my name on my dad's deed affect me when I buy a house?

  

Also Mentioned in This Episode:

  • Financial Peace University will help you take control of your money, plan for your future, and transform your life.
  • Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 21, 2018

Dave answers questions from across America on refinancing your mortgage, term life insurance, and investing for retirement. Debt-Free Scream: A couple from Indiana visits the show to share how they paid off $75,000: "I worked two full-time jobs and worked overtime at both jobs." If you're tired of never having enough money to live the life you want, this episode can inspire you to make a plan to take control of your life and your money. 

 

You Can Do This. It's Up to You.

Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires to learn how you CAN become a millionaire.

 

Featured Calls:

  • My aunt's spending is out-of-control. How can I help her handle money better?
  • Should I refinance my home to help me get out of debt faster?
  • Are child riders a good idea?

  

Also Mentioned in This Episode:

 

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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 20, 2018

Dave opens the show remembering how it has been 30 years since he declared bankruptcy: "Do you ever think where you'd be if you didn't get knocked down?" Debt-Free Scream: A couple from West Virginia visits the show to share how they paid off a $36,000 tractor in just seven months after attending a life-changing Financial Peace University group: "You really have to make sacrifices and work together." 

 

Work Together on Budgeting:

  • Create your first budget in just 10 minutes with EveryDollar

 

Also Mentioned in This Episode:

  • Financial Peace University will help you take control of your money, plan for your future, and transform your life.
  • You CAN win with money. Discover how at a Smart Money event near you.
  • Retire Inspired will teach you how to make smart decisions now to help you live your retirement dreams later.
  • Preorder our new book, Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

 

Sep 20, 2018

Dave answers questions across America on reverse mortgages. Special Guest: Best-selling author Pat Lencioni calls the show to talk to Dave about creating the right culture in your organization. "The world wants to hear someone who gives them real advice and even err on the side of truth to help them." Two Debt-Free Screams: A couple from Missouri visits the show to share how they paid off $62,000. Later, Dave chats with a couple in Maryland who paid off over $99,000 in just 14 years: "It was pretty much just all hustle and grind . . . getting up at 6 in the morning and getting home at 9 at night, and a lot of rice and beans." 

 

Never Worry About Money Again:

 

Featured Calls:

  • Should I get a reverse mortgage?
  • Is it okay to downsize our house?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 20, 2018

Dave answers questions across America on car leases, debts in collections, and owning stock. Two Debt-Free Screams: A couple from Missouri calls the show to share how it feels to they pay off $43,000 in just 9 months: "There's no longer any fear."  Later, Dave chats with a couple in Washington, D.C., who paid off $194,000 in just two years!

 

Never Worry About Money Again:

 

Featured Calls:

  • Does it make sense to keep our cars until the lease is up?
  • How can I settle a debt that is 10 years old?
  • Should I sell my stock?

  

Also Mentioned in This Episode:

 

Listen and Watch 

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

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Sep 19, 2018

Dave answers questions from across America on paying off debt, TSP funds, and how much to spend on a wedding. Special Guest: Ramsey Personality Rachel Cruze joins Dave in studio to talk about getting back to the basics with money and handling money together in marriage.

 

Kick-Start Your Financial Goals:

  • Smart Money will give you the momentum you need to draw a line in the sand and stop borrowing money forever!
  • Reconnect and realign the goals of your relationship and your finances at a Money and Marriage Event !

 

How to Find Rachel Cruze:

 

Featured Calls:

  • Should we tell our neighbors to go through Financial Peace University because they can't chip in on the fence we're putting up?
  • My car loan is 0% interest. Should I pay it off with the money we received?
  • How much should we spend on our wedding while in debt?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 19, 2018

This episode starts off with a call from a high school student taking a personal finance class. Listen as Dave answers the class's question about college: "I believe in education. It gives you an advantage forward, but it is not what causes you to be successful." Dave answers questions from across America on buying a car, IRAs, and inaccurate credit bureau reports. 

 

Never Worry About Money Again:

 

Featured Calls:

  • Is college worth it?
  • My parents are pressuring me to buy a new car.
  • How can I pay off debt while going to college then law school?

  

Also Mentioned in This Episode:

 

Listen and Watch

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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 19, 2018

Dave starts the show giving practical advice to an HVAC installer who is managing a small business that's sinking: "All money's not good money." — Dave 

Special Guest:
 TV personality Mike Rowe calls the show to chat with Dave about the art of storytelling. "It's tough to beat 'Once Upon A Time' and a campfire." 

Debt-Free Scream: A couple from Georgia calls the show to share how they paid off $91,000 in just a year: "He called me at work and told me to pick him up because he just sold my car. That's when I knew he was serious!"  

 

You CAN Become a Millionaire:

  • Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

 

Featured Calls:

  • My profit margin is sinking me. What am I doing wrong?
  • How can I make money working from home?
  • When should we pay off our HELOC?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 18, 2018

Dave answers questions from across America on how to get out of debt with the Baby Steps, workers' comp, and real estate investing. Debt-Free Scream: A couple in New Jersey calls the show to share how they paid off over $64,000 in just 18 months after going through Financial Peace University: "We had our 'Wine and Cheese' monthly budget meeting." 

 

We Make it Easy. You Make it Fun:

  • Create your first budget in just 10 minutes with EveryDollar

 

Featured Calls:

  • What's the best way for me to prepare for a strike?
  • Which debt should I pay off first?
  • Is it okay to have half of our net worth wrapped up in our home?
  • I'm $23,000 upside down on my wife's car.

 

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

 

Sep 18, 2018

Dave answers questions from across America on paying cash for college, investing for teenagers, annuities and Roth IRAs. Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to chat about facts versus feelings when it comes to becoming a self-made millionaire: "It's not about how much you make . . . we've got to get over this mind-set that everything's against us and that we don't have an opportunity."  Chris Hogan

 

Learn How to Become a Millionaire:

  • Preorder our new book, Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

 

Featured Calls:

  • I'm not sure how to go to school debt-free.
  • Should I put my ex-husband's life insurance payout in an annuity?
  • How can we grow a farm without going into debt?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned in This Episode:

  • Create a monthly budget in just 10 minutes so you can achieve your money goals with EveryDollar.
  • For help with your retirement, college savings or other investments, talk with a SmartVestor Pro.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 18, 2018

Dave answers questions from across America on buying your first home, getting out of debt, and how to get your spouse on board with money. If you're feeling overwhelmed by debt, this episode can help you make a plan for your money and become debt-free so you can live more and worry less!

 

Get Out of Debt:

  • Learn the simple 7-step plan to get out of debt. Read The Total Money Makeover.
  • You CAN win with money and we can show you how at a Smart Money event near you.
  • Create a monthly budget in just 10 minutes so you can achieve your money goals with EveryDollar.

 

Featured Calls:

  • How can I get my wife to be on the same page?
  • Should we use our individual investment account to pay off debt?
  • How can I pay off all the debt I have?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 17, 2018

Dave answers questions from across America on investing while in debt, paying off HELOCs, and how much to keep in an emergency savings fund. Debt-Free Scream: A family from Missouri visits the show to share how it feels to be after paying off their mortgage in just over 2 years: "It just feels like a weight has been lifted off. We don't owe anybody anything!" Dave discusses the new legislation that allows you to freeze your credit: "It's a partial block against some types of fraud." 

 

Learn How You CAN Win With Money:

 

Featured Calls:

  • How much should we invest in our 401(k) while we're paying down debt?
  • When should we pay off our HELOC?
  • Should I use my savings to pay off my mortgage?
  • Is freezing your credit a good idea?

 

Special Offer: Get your step‑by‑step plan to get rid of your debt and become a millionaire with the Everyday Millionaires + The Total Money Makeover audio bundle.

 

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 17, 2018

Dave answers questions from across America on tax audits, overcoming a sense of entitlement, and how to teach kids about money. TWO Debt-Free Screams:  First a couple in Arizona calls the show to share how they paid off $64,112 in just 14 months using the EveryDollar budgeting tool. Later in the show a couple—also from Arizona—visits the studio to share their debt-free journey: "We got into the budget and discovered how much money we had left over and what we could do with it." 

TOUCHDOWN: Dave shares a story about the greatest honor of his day that happened in the lobby of Ramsey Solutions during a commercial break.

 

Take Control of Your Money:

 

Featured Calls:

  • How should I handle a tax audit?
  • How can I stay motivated to pay off debt?
  • What should I teach my 8 year old to do with the $500 he earned over the summer?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 17, 2018

Dave opens this episode with heartfelt comments about those in the Carolinas affected by Hurricane Florence. Mini DAVE RANT: "Get you some money!" Dave answers questions from across America on giving advice to parents, relocating, and paying off debt. Debt-Free Scream: A university professor from Kentucky shares her story of paying off $88,764 in just nine months using the envelope system: "When money is under control it makes other decisions peaceful."  

 

Get Your Money Under Control:

  • Spend less money by managing your cash with an envelope system.
  • EveryDollar helps you create a monthly budget so you can go beyond doing "okay" and achieve your money goals.

 

Featured Calls:

  • I'm scared that my parents aren't going to have any money for retirement.
  • Should we move to be closer to family?
  • Can I pay off all my debt in seven months?

 

Also Mentioned in This Episode:

  • Find a qualified investing professional near you. Talk to a SmartVestor Pro.
  • Get out of debt with Financial Peace University.
  • Learn how to make smart decisions now to help you live your retirement dreams. Read Retire Inspired.
  • Get your step‑by‑step plan to get rid of your debt and become a millionaire with the Everyday Millionaires + The Total Money Makeover audio bundle.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 14, 2018

Dave answers questions from across America on when to buy a house, real estate, student loan consolidation, and investing. Debt-Free Scream: A couple from Missouri visits the show to share how they paid off $75,000 in three years: "I budget everything. I'm a big budgeter."

 

Budgeting Just Got Easy with EveryDollar:

  • EveryDollar helps you create a monthly budget so you can go beyond doing "okay" and achieve your money goals.

 

Featured Calls:

  • Should we buy a house right after we get married?
  • Is it okay to consolidate my student loans?
  • Do I need to stop investing to pay off my debt?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 14, 2018

This episode opens with a classic DAVE RANT: "You've met well-educated stupid people before, haven't you?" Dave answers questions from across America on saving for a house, how to diffuse tension in awkward conversations, and the best way to manage your money when you're hopelessly in debt. You CAN win with money, and Dave will tell you how. In this episode, listen to a simple step-by-step plan to get out of debt, build wealth and change your family tree forever!

 

Help People Change Their Family Tree:

 

Featured Calls:

  • Are we saving enough for a house?
  • How should I ask my stepdad about my mom's will?
  • What do I do when American Express keeps asking for access to my checking account?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 14, 2018

Dave answers questions from across America on charities, insurance, 401(k) investing and social security. Struggling to find motivation to pay off debt? In this episode Dave gives tangible ideas to help you get back on track!

 

Get a step‑by‑step plan to get rid of your debt and become a millionaire:

  

Featured Calls:

  • How can you know if a charity is corrupt?
  • When should I start getting social security?
  • Should I renew my life insurance policy?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 13, 2018

Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to interview everyday millionaires across America to discover how they did it!

 

Everyday Millionaires:

  • Age 48 from Houston, TX ($1.6MM): "It's all there from investing and saving in 401(K)s and IRAs."
  • Age 54 from Cincinnati, OH ($1.1MM): "I enlisted in the Air Force in 1982, and I was making around $20,000." 
  • Age 58 from South Bend, Indiana ($1.2MM): "It doesn't matter what environment you're raised in. You take advantage of what you've got, and you take it and you run with it."
  • Ages 38 and 40 from Seattle, Washington ($1.06MM): "She's a stay-at-home mom." 
  • Ages 47 and 50 and from Seattle, Washington ($1.2MM): "Now that we're more intentional with our money it's a lot more fun to give."
  • Ages 42 and 45 from Richmond, Virginia ($2.7MM): "My advice is: don't fall into credit card debt." 

 

Want to Hear More From Chris Hogan? 

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Sep 13, 2018

Dave answers questions from across America on recovering financially after addiction, owning a small business, and expense-to-income ratios. Special guest Max Lucado joins Dave on air to discuss the power of Hope. Debt-Free Scream: A couple from Indiana visits the show to share what motivated them to pay off over $105,055 in less than three years: "One day I just started adding up everything we owe, and it takes your breath away." 

 

Feel Like You Got a Raise:

  • EveryDollar helps you create a monthly budget so you can achieve your money goals.

 

Featured Calls:

  • I feel like I got the wind kicked out of me, and I'm ready to take control of my money.
  • What's the best way to buy a business?
  • When can I buy an extra beater car to work on?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 13, 2018

Dave answers questions from across America on verbal contracts, tithing, handling an inheritance, and FEMA loans. Debt-Free Scream: A BIG family from Iowa visits the show to share how they worked together to pay off $140,000 in just seven months: "We went dumpster diving! That's another crazy thing we did." 

 

Get a step‑by‑step plan to get rid of your debt and become a millionaire:

 

Featured Calls:

  • We have a verbal contract to pay my mom $70,000, but my husband doesn't like being in debt to her.
  • I feel stuck between my commitment to my church and my need to get my finances in order.
  • Should we roll our mortgage into our FEMA loan?

 

Mentioned in This Episode:

  

Listen and Watch
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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

https://www.daveramsey.com/show/app

 

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Sep 12, 2018

Dave answers questions from across America on when to buy or sell a house, when to get out of a car lease, cashing out retirement funds, and estate planning. Is the paycheck-to-paycheck life leaving you feeling panicked and insecure? Taking control of your money is easier than you think, and this episode will show you how to live smarter!

 

Decide to Live Smarter:

  • You CAN take control of your money, and we'll show you how at Smart Money.

 

Featured Calls:

  • Should we sell our house if we think it might have structural problems in the future?
  • Should I cash out my TSP to pay off my house?
  • How do I get out of my car lease?
  • Can I cash out my wife's 401(k) to start a business?

 

Dave Also Mentioned:

 

Listen and Watch

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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

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