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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: 2018
Mar 23, 2018

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

 

Featured Calls:

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

 

Get Out of Debt:

 

Dave Also Mentioned:

Mar 22, 2018

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

  

Featured Calls:

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

 

Take Control of Your Money:

 

Dave Also Mentioned:

Mar 22, 2018

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

 

Featured Calls:

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

 

Win With Money:

 

Dave Also Mentioned:

Mar 22, 2018

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

 

Featured Calls:

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

 

Win With Money:

 

Dave Also Mentioned:

Mar 21, 2018

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

 

Featured Calls:

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

 

Take Control of Your Money:

 

Dave Also Mentioned:

Mar 21, 2018

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

 

Featured Calls:

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

 

Win With Money:

 

Dave Also Mentioned:  

Mar 21, 2018

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

 

Featured Calls:

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

 

Get Out of Debt:

 

Mar 21, 2018

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

 

Featured Calls:

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

 

Win With Money:

 

Dave Also Mentioned:

 

Mar 21, 2018

Dave shares practical advice on budgeting, life insurance, buying a house, and 15-year vs. 30-year mortgages. Also, Christy Wright joins Dave in studio to answer calls about women who want to start a business.

 

Featured Calls:

  • Sarah: Anxious to get started on my budget!
  • Chris: Okay to buy less life insurance?
  • Doug: Can you talk renting vs. buying?
  • Joseph: Was a 30-year loan a mistake?
  • Levina: How do I find time to start my side business?

 

Win with Money:

 

Also mentioned on today's show:

Mar 21, 2018

Dave gives personal insight on interviewing potential employees, selling your business, and retirement plans for small businesses. 

 

Featured Calls:

  • Brian: What's a unique way to interview candidates?
  • Que: Take my mom's car back?
  • Ashley: Finding the right price point to sell our business?
  • Debt-free scream: Zack and Hannah paid off $49K using the cash envelope system: https://goo.gl/9DiojA
  • David: Retirement plan for small business?
  • Natalie: Use home equity to pay debt?
  • Mindy: How to invest in my small business?

 

Win With Money:

 

Dave Also Mentioned:

Mar 16, 2018

Dave answers questions about tithing, investing in mutual funds, Roth IRAs, and breaking the debt cycle for your family.

 

Featured Calls:

  • Giovanni: Can I tithe less if I volunteer? 
  • Jason: Where to invest our cash?
  • Debt-Free Scream: Dami and Nelly got sick and tired of managing credit instead of managing money, so they paid off $25K!
  • Roxy: Roth IRA salary limits?
  • Jim: How to help my grandson not make the mistakes I did?
  • Philip: Move out of my parents' house?

 

Get Out of Debt:

 

Dave Also Mentioned:

Mar 16, 2018

Dave shares insight on home buying and talking about money with your spouse.

 

Featured Calls:

  • Anastasia: Finding a house we can afford?
  • Scott: Where to put cash for a future home purchase?
  • Morgan: How to get my wife involved in the finances?
  • Debt-Free Scream: Lucas and Sara paid off $333K after Sara realized she had a major problem with credit cards.
  • Matt: Buy or rent?

 

Get Out of Debt:

 

Dave Also Mentioned:

Mar 16, 2018

Dave gives practical advice on saving for college, how to communicate with your spouse about money problems, short-term investing in the stock market, and paying off the mortgage.

 

Featured Calls:

  • Pete: Save for college before retirement?
  • Justin: Time to jump into full-time real estate?
  • Brian: How to convince my wife to sell her mom's house?
  • Liz: Where to park $67K for a year?
  • Debt-Free Scream: Brian and Stephanie paid off $159K!
  • Deanne: Best way to pay down my mortgage?
  • Cliff: How to advise an enabler to stop?
  • Jane: Use nest egg to pay off my house?

 

Win With Money:

 

Dave Also Mentioned:

Mar 15, 2018

Dave answers questions about handling large money gifts to kids, money and marriage, converting to a Roth IRA, and the importance of an emergency fund. 

 

Featured Calls:

  • Justin: My kids were given $2,000
  • Katie: Should I go back to work?
  • Jessica: My husband hid a big purchase from me.
  • Debt-Free Scream: Kenneth and Anna paid off $99K!
  • Fran: Convert my IRA to a Roth?
  • Tyler: Pay off my mortgage with savings?

 

 Get Out of Debt:

 

Dave Also Mentioned:

Mar 15, 2018

Dave gives practical advice on car leases, cash savings, paying capital gains taxes, what you should do with a tax refund, and how to get started investing. 

 

Featured Calls:

  • Alicia: How to handle a leased van we regret?
  • Pat: Are 1031 exchanges a good idea?
  • Todd: Is what the government did illegal?
  • Debt-Free Scream: Kaysee paid off $23K after getting a wake-up call in the Financial Peace University class with her fiance. Get the wake-up call, too: https://goo.gl/Ui6MDT
  • Jean: How do we start investing our $3MM cash?
  • Suzanne: How should we invest my inheritance to build a legacy for my grandchildren?

 

Win With Money:

 

Dave Also Mentioned:

Mar 15, 2018

Dave gives practical advice on life insurance, how to get out of debt and build wealth with a proven seven-step plan, 401(k) loans, and when to hoard cash instead of paying extra toward debt.

 

Featured Questions and Calls:

  • Leslie: How much life insurance do I need? 
  • Bethany: Enroll in student loan forgiveness program?
  • Mark: Worth paying capital gains tax to pay down debt?
  • George: Smart to take out a 401(k) loan?
  • Debt-Free Scream: Heath and Brittany killed $68K in student loans after taking Financial Peace University: https://goo.gl/Ui6MDT

 

Win With Money:

 

Dave Also Mentioned:

Mar 14, 2018

Dave gives personal insight on the mental and financial risk in real estate and how to get from where you are now to where you want to be (Dave Rant)!

 

Featured Calls:

  • Andrew: Sell rental property to pay off debt?
  • Debt-Free Scream: Mark and Kassandra paid off $36K after going all-in with Financial Peace University! Start on your debt-free journey today: https://goo.gl/Ui6MDT
  • Lynn: Should I do a short-sale on my house?

 

Your Clear Path to Wealth:

 

Dave Also Mentioned:

Mar 14, 2018

Dave gives practical advice on buying a car and what it really means when your wife says, "Do whatever you want." Also, how to get the best exchange rate when traveling oversees, how to pay back a 401(k) loan, and why getting $1,000 now is better than $10,000 later.

 

Featured Calls:

  • John: Invest in mutual funds to save for a car?
  • Mario: In debt, and my wife is mad.
  • Tami: How to travel overseas without a credit card?
  • Jake: Use my Roth IRA to pay back a 401(k) loan?
  • Alex: Injured fireman, which retirement option should I take?
  • Rob: Do I have enough to retire? 

 

Win With Money:

 

Dave Also Mentioned:

Mar 14, 2018

Dave gives callers insight on fighting for your kids in a divorce, how to get your tenants to help you sell a rental property, what helps teens win with money, and how to become a millionaire.

Featured Calls:

  • A.J.: How do I start my life over after divorce? Financial Peace University helps you take control of your financial future: https://goo.gl/Ui6MDT 
  • Dee: Best way to sell a house with tenants? 
  • Kevin: What's my first step as a new real estate agent?
  • Nathan: Should a 15-year-old start investing?
  • Donna: Use the Roth IRA to pay off the house?

 

Get Out of Debt:

 

Dave Also Mentioned:

Mar 13, 2018

Dave explains the basics of budgeting on an irregular income, cashing in on equity, why you should never, EVER borrow money from your in-laws, how to pay cash for a car, and dealing with the IRS.

 

Featured Calls:

  • Sean: How to budget tips?
  • Kevin: Sell all the rental property?
  • Jenny: Totally upside-down on a car.
  • Mike: Start a peer-to-peer rental business? 
  • Debt-Free Scream: John and Jordan paid off $106K after taking Financial Peace University: https://goo.gl/Ui6MDT and trusting God to provide!
  • John: Pause Baby Step 3b to save for a car?
  • James: How to Pay the IRS?

Win With Money:

Also Mentioned:

Mar 13, 2018

Dave gives practical advice on traditional IRAs, funding HSAs, starting a small business, investing with mutual funds, and how to stop living paycheck to paycheck. Also, Dave shares what surprised him about the millionaire survey. 

Featured Calls:

  • Brittany: Roll my 401(k) into my husband's?
  • Sherry: How should I take my pension?
  • Steven: Pay an old bill with my HSA?
  • Jeffery: Start a business while in debt?
  • Another Steven: How to maximize compound interest?
  • Crystal: Declare bankruptcy to clear my name?

Get Out of Debt:

Dave Also Mentioned:

Mar 13, 2018

Dave empowers callers to get out of debt and stop the money fights with their spouse. He also warns about the cost of bad bookkeeping and falsified tax deductions for the self-employed.

 

Featured Calls:

  • Chris: How to settle medical bills for addiction treatment?
  • Elizabeth: Are We Being Overcharged for a Will?
  • David: Sell the boat and BMW to pay down debt?
  • Charlie: How can we stop fighting over the budget? With The Total Money Makeover: https://goo.gl/jNEJM9 Charlie and his wife can work together on getting their budget under control.
  • Amanda: Do I owe my dad $4K for an upside down car?

 

Take Control of Your Money:

 

Dave Also Mentioned:

Mar 9, 2018

Dave gives practical advice on saving for college, mortgages, pre-paid funeral plans and dealing with in-laws.

 

Featured Calls:

 

  • Debt-free scream: Brent and Suzanne call from Australia!
  • Joyce: I don't like the 529 restrictions.
  • Myrna: How can we save down payment for a house?
  • Debt-free scream: Eric and Morgan paid off $131K by learning about all the stupid things they were doing with money in Financial Peace University. You can become debt-free, too! Take the class that will help get you there: https://goo.gl/Ui6MDT
  • Louis: Should I repay my in-laws for a gift?

 

 

Also mentioned in this episode: 

Mar 9, 2018

Dave gives insight on millionaire marriages, refinancing student loans, how to transition to a new career, and how to get out of debt quickly.

 

 Featured Calls:

  • Bryce: Refinance $152,000 in student loans? 
  • David: Sell my house to fund a career change?
  • Dwayne: Take the Survival Benefit Plan offered?
  • Adam: Sell my house to get out of debt? 

 

Also mentioned in this episode: 

Mar 9, 2018

Dave gives practical advice on evictions, budgeting as newlyweds, and how to invest for retirement. 

 

Featured Calls:

 

  • Jacob: Handling tenants who won't pay?
  • Parker: Use savings to cover our budget deficit?
  • Jeff: What if my Roth IRAs are maxed out?
  • Debt-Free Scream: Amy and Ryan paid off $67,000 after going through Financial Peace University! You can do it, too, with FPU: https://goo.gl/Ui6MDT
  • Isaac: If you're against debt, why are mortgages okay?

 

Dave also mentioned:

 

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