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The Dave Ramsey Show

Take control of your money once and for all. The Dave Ramsey Show offers up straight talk on life and money. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out Apple's fourth most popular podcast! For more information, visit www.daveramsey.com.
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Now displaying: September, 2018
America, It's Time to Sign Your Own Permission Slip (Hour 2) 0
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 Millionaires, based 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: 

Learn How to Live More and Worry Less (Hour 1) 0
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:

 

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Practical Advice on Paying Off a Second Mortgage (Hour 3) 0
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:

 

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Three Money Skills Your Kids Need (Hour 2) 0
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

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How to Prevent a Hillbilly Drama Crisis (Hour 1) 0
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: 

Don't Settle for Just Doing "Okay" With Money (Hour 3) 0
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:

  

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Financial Diligence Will Change Your Family Tree (Hour 2) 0
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: 

Always Do These Three Things With Money (Hour 1) 0
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

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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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Join The Millionaire Movement (Hour 3) 0
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

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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!

Learning to Go From Addict to Hero (Hour 2) 0
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: 

How to Turn a Handshake Into a Legal Contract (Hour 1) 0
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
Anytime, Anywhere.

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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Smart Financial Advice for Newlyweds on a Tight Budget (Hour 3) 0
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

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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Three Things That Cause Poverty (Hour 2) 0
Sep 12, 2018

This episode begins with a classic DAVE RANT on the lottery: "Oh, here's a great idea, let's have a whole bunch of poor people send middle income and rich people's kids to school for free." Also, Dave answers questions from across America on diamond engagement rings, paying cash for a wedding, and selling your car to get out of debt fast! Debt-Free Scream: A couple from Alabama shares how they became debt-free after joining a Financial Peace University group.  

 

Help People Win With Money:

 

Featured Calls:

  • Can I buy an engagement ring with severance money?
  • Should we cash out a Roth IRA to pay for a wedding?
  • Should I sell my cars to get out of debt?
  • Is a swimming pool a good investment?

 

Mentioned in This Episode:

  • Get out of debt with Financial Peace University.
  • When buying or selling a house, you want an ELP agent who understands your financial journey and helps you get the best deal.
  • ELP Tax Pros know the tax code inside and out—which means fewer mistakes and more money in your pocket.

 

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:

Stay Away From These Divorce Danger Zones (Hour 1) 0
Sep 12, 2018

Dave answers questions from across America on hiring a CFO for a small business, saving money, and how to pay a tax bill off. Also, Dave gives insight on four danger zones in marriage that cause problems. This episode will teach you how to stop the fights and get on the same page!

 

Learn How to Handle Money Together:

 

Featured Calls:

  • Should I pay off my fiancee's car?
  • When is the company big enough to hire an accountant?
  • Is it a good idea to take out a loan to pay off an IRS bill?

 

Dave Also Mentioned:

 

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:

See What's Possible: You CAN Become a Millionaire! (Hour 3) 0
Sep 11, 2018

Dave answers questions from across America on when to pay off a car, investing, budgeting on an irregular income, and how to choose a good career. Debt-Free Scream: A nurse in Florida calls the show to share how she paid off $65,000: "It was a lot of sacrifice, but I'm so grateful to be done." Stop believing the lies and discover the truth: you CAN become a millionaire, and this episode will tell you how!

 

You Can Become a Millionaire:

 

Featured Calls:

  • Is it smarter to put more money in savings or pay off our car?
  • I'm not sure how to budget on an irregular income?
  • My wife needs to quit her job, but we can't afford it.
  • Will my son's college degree enable him to pay the bills when he graduates?
  • I don't feel right about using my fiancee's inheritance to pay off my student loan debt when we marry.

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

How Being Debt-Free Helps You Become Generous (Hour 2) 0
Sep 11, 2018

Dave answers questions from across America on how to rediscover your purpose in life, relocating, and investing in ROTH IRAs. Debt-Free Scream: A couple from California visits the show to share what motivated them to pay off $100,178 in just 10 months: "We knew it was bad, but we didn't think it was that bad." If life is hard and you're feeling discouraged, this episode will help you find hope and a plan for your future.

 

Get Out of Debt:

 

Featured Calls:

  • I messed up. Now I'm not sure how to move forward and clean up $300,000 in debt.
  • We are relocating. Should we keep the house and use it as a rental?
  • Can I fund a 457(b) plan and a Roth IRA at the same time?
  • I just got out of debt, then everything went wrong!

 

Also Mentioned on the Show:

  • Business Boutique will help you get your business idea off the ground or take your existing business to the next level!

  

Thanks for listening!

 

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

The Brutal Truth About Debt Freedom (Hour 1) 0
Sep 11, 2018

Dave answers questions from across America on setting boundaries with family members who ask for money, how to get out of debt with the Baby Steps, the best way to pick investments, and how to bring in more money. If you're sick and tired of being broke, this episode can help you take control of your finances.

 

Get Out of Debt:

 

Featured Calls:

  • My mom is asking us to pay half of her rent or buy a house with her. Is it okay to say no?
  • We are newlyweds with nearly $1 million in debt. How do we get out without declaring bankruptcy?
  • Should we keep contributing to our IRAs in order to get the match, even though we are still paying off debt?
  • Is student loan forgiveness tax deductible?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

How to Build Extraordinary Wealth for Retirement (Hour 3) 0
Sep 10, 2018

Dave answers questions from across America on how to build wealth, retirement, and cashing out your pension. Ramsey Personality Rachel Cruze joins Dave in studio to discuss how to dream with your spouse and find a renewed vision for your relationship. Debt-Free Scream: A young family from Utah visits the show to share how they paid off their house: "For six years, we had one car in our marriage—we have two kids—and I rode my bike to work every day." 

 

Build Wealth and Prepare for Retirement: 

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

 

How to Find Rachel Cruze:

 

Featured Calls:

  • Can I afford to build a retirement home?
  • Should I stay in Korea with my girlfriend or move back home to pay off debt?
  • Is it smart to cash out a pension to pay off debt?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Debt: The Bad News and The Good News (Hour 2) 0
Sep 10, 2018

Dave answers questions from across America on paying off debt and how long it takes to become a millionaire. Debt-Free Scream: A couple in Florida calls the show to share how they paid off over $104,000 in just over two years: "We were looking real nice but we were riding upside down, so we got rid of our truck and our van." 

 

Good News! You Can Get Out of Debt Regardless of Age or Income: 

 

Featured Calls:

  • What's the best way to get out of debt?
  • Should I sell my empty rental property?
  • Will I be a millionaire in 12 years?
  • Is it OK to take a honeymoon while we have debt?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

Will I Make More Money If I Go Back to School? (Hour 1) 0
Sep 10, 2018

Dave answers questions from across America on HSAs, term life insurance, choosing the right career path, and living life debt-free. Dave coaches a man in Florida who thinks his only option to financial freedom is declaring bankruptcy. Listen as Dave explains why a lot of his debt isn't eligible for bankruptcy, and gives him a clear path to take control of his money.

 

Make Money Doing What You Love: 

The FREE Business Boutique Workshop shows you how to have a business that allows you to make money and make time for what matters most to you!

 

Featured Calls:

  • We're expecting twins. Should we put our emergency fund into our HSA?
  • Is group term life insurance a scam?
  • Should I go back to school or keep working as a bartender?
  • Is it OK to take out a mortgage on a lake house?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

 

How to Make a Lot of Money in MLM Companies (Hour 3) 0
Sep 7, 2018

Dave answers questions from across America on MLMs, when to pay off your home mortgage, solar panels, and auto insurance and car leases. Debt-Free Scream: A couple from West Virginia visits the show to share how they paid off $105,000 in less than 2 years!

 

You CAN Win With Money:

 

Featured Calls:

  • How do I know if the MLM I'm considering is a scam or a legitimate company?
  • Should I invest first or pay off the mortgage?
  • Is a power-purchase agreement for solar panels a good idea?
  • Do I need uninsured motorist insurance?
  • Should I finance a mortgage for my granddaughter?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

When to Use Sinking Funds (Hour 2) 0
Sep 7, 2018

Dave answers questions from across America on how to make money in real estate, sinking funds, interest rates for 529s and how to get out from under a huge pile of debt. Debt-Free Scream: A couple in Texas calls the show to share how they paid off $53,000 in just 17 months using the EveryDollar budgeting tool together!

 

The Easy Way to Budget Sinking Funds:

  • Create your budget in just 10 minutes with EveryDollar!

 

Featured Calls:

  • Are VA home loans a good idea for disabled veterans?
  • How much interest should we be getting on our 529s?
  • How do I get started paying off $372K in debt?
  • What should I do with my military TSP?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

 

Radical Solutions to Your Money Problems (Hour 1) 0
Sep 7, 2018

Dave answers questions from across America on wills and estates, the best way to pay off credit cards, and best practices for investing money. Debt-Free Scream: A family of six from Utah visits the show to share how they paid off over $499,000: "For 10 years we followed your plan to a 'T.' We were broke . . . and following your plan, became millionaires."  Dave talks about the new 2018 tax laws.

 

Blow Up Your Debt:

 

Featured Calls:

  • Can my mom sell a property without her name on the deed?
  • Should we put our inheritance toward college savings or pay down our mortgage?
  • We can't afford the minimum payments on our credit cards. 

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

 

When You Feel Like A Financial Failure (Hour 3) 0
Sep 6, 2018

Dave answers questions from across America on bankruptcy, the bond market vs. the stock market, and how to set family boundaries. Debt-Free Scream: A couple from Florida visits the show to share what motivated them to pay off $346,000.

 

Take Control of Your Money:

 

Featured Calls:

  • Should I file bankruptcy?
  • Is it okay to pay for a class while pausing Baby Step 2 to save for a baby?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

How Wealthy Do You Want to Be? (Hour 2) 0
Sep 6, 2018

Dave answers questions from across America on investing for retirement, stocks, back-door ROTHs, and the fastest way to build wealth. Debt-Free Scream: A couple in Texas calls the show to share how they paid off $68,000 in just 18 months! Dave encourages a mom to use her money to go on a family vacation after a heart-breaking season of life. 

 

Build Wealth and Prepare for Retirement: 

 

Featured Calls:

  • Why do you recommend putting 15% of your income into retirement?
  • Should we sell our company stock to pay off debt?
  • Is it smart to sell our car to pay for a new deck?
  • Can we use our savings to take a vacation?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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

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