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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: 2018
Aug 10, 2018

"It's not a millennial disease. It's a stupid people disease, and there's stupid people in every generation." — Dave

 

Dave opens this episode with a classic DAVE RANT in defense of millennials: "You don't have to have a long beard and skinny jeans to do stupid stuff." DEBT-FREE SCREAM: A couple in Minnesota calls the show to share their story: "It's the little things that add up. That money can be put toward the debt."

 

Calls This Episode:

  • What should I look for in an insurance company?
  • How much should I be contributing to our college fund?
  • Is cashing in an insurance policy taxable income?
  • Should I go back to school so I don't have to drive trucks?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 10, 2018

"'Someday' is not on the calendar. This is the day you get serious about your financial future. The only way for your kids to have better is for you to do better." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan and Dave celebrate the pre-sale release of his new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too! DAVE RANT: If your financial advisor is a condescending little twerp, fire them! DEBT-FREE SCREAM: A young couple from Canada visits the show to share their story: "It was more than worth it . . . when you are in control of your things instead of your things are in control of you."

 

Calls This Episode:

  • Should we listen to my financial planner and use my inheritance to invest instead of paying off the rest of our debt?
  • If I can't afford child care, should I quit my job?
  • How can I change my career without starting out at entry-level pay?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 10, 2018

"You can do it. You just have to do it." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old asks for investing advice so he can get the wheels rolling on a strong financial future. Listen as Dave explains to this future millionaire the best way to invest in mutual funds. A couple from Kansas City visits the show to share how they paid off $300,000 after going through Financial Peace University! 

 

Caller Questions:

  • How can I start investing so I can avoid getting into debt?
  • How much money should go into each of our savings funds?
  • Where should I put an inheritance my son received?
  • Should I invest to get the match while I'm in debt?
  • Can we skip paying off debt to save for gaps of income?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 9, 2018

 

"Getting out of debt is not an intellectual exercise. It's an emotional event." — Dave

 

Dave answers questions across America about your life and your money. Featured call: A man in California wants to know the best way to use savings to slash down some debt. Dave coaches him to focus on the goal and use the Baby Steps to knock it out fast. A woman travels to the show all the way from Pennsylvania to do a DEBT-FREE SCREAM! 

 

Calls this Episode:

  • Which debts should I pay off first with my savings?
  • Should I give money to my coworker?
  • Can I contribute to retirement while we still have debt?
  • Do I need to put 15% in retirement since I have a pension?
  • How do I handle debts in collections?
  • What can I do to help my wife get on board with our goals?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 9, 2018

"When you make good financial decisions, they are defined not as what feels good today, but what causes you to build wealth over the long term." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: We can't afford a 15-year mortgage, so would it be okay to get a 30-year mortgage instead? A family in California calls the show to do their DEBT-FREE SCREAM after reading The Total Money Makeover and taking on extra jobs to find total freedom!

 

Caller Questions:

  • What's the best way to get started in real estate?
  • Am I too old to start a landscaping business?
  • Can we get a 30-year mortgage if we can't afford a 15-year?
  • Which Ramsey curriculum is best for high school students?
  • Should I roll my 401(k) into a Roth IRA and pay the taxes?
  • Is it time to replace our broken down car?
  • Should I use an insurance payout to pay down my mortgage or replace the roof?
  • How much should be in my budget for dating?
  • How do I start the debt-free process while I'm in school?
  • What is the best solution to paying for private school while we have $60,000 in car debt?
  • Should I buy a house with my girlfriend?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 9, 2018

"Building wealth has nothing to do with your income level and it has nothing to do with your background." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan and Dave celebrate the pre-sale release of his new book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too! A family from Illinois visits the show to share their debt-free story: "He just walked into the house one day and said, 'How can we make this much money and not have anything to show for it?'"  Dave explains what it takes to be on the show for a DEBT-FREE SCREAM. 

 

Calls This Episode:

  • Should I renew my earthquake insurance?
  • Is it worth it to take out $200,000 in student loan debt if I'm going to med school?
  • Should I sell my truck to pay down debt?
  • What do I do with the money from a property I sold?
  • Is it best to sell my house and build another one?
  • Should I work fewer hours at my job so I can invest in my small business?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 8, 2018

Ramsey Personalities Ken Coleman and Rachel Cruze answer America's questions about your life and your money.

 

Want to Hear More From Ken Coleman? 

 

How to Find Rachel Cruze:

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 8, 2018

"After you're debt-free, you still have to save up your emergency fund and your down payment." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 23-year-old has an intense plan to get out of debt and wants to know if it's better to move out of his parents' home to get a solid rent history, or if he should stay until he's finished paying off debt. Listen as Dave encourages him to stay on track and make a specific timeline for renting his own place. A single woman from Michigan calls the show to share how she paid off $140,000 after reading The Total Money Makeover: "It's incredibly empowering! . . . Every extra dollar was going toward the debt!"

 

Caller Questions:

  • Is it okay to invest in my side business while I'm paying of personal debt?
  • Should we use college savings to pay off car loans? 
  • Should I move out of my parents' house if it slows down paying down my debts?
  • How do I decide if relocating is a good idea?
  • Which investment option is better, a 403(b) or a 457?
  • What retirement plan should I choose?
  • Should we sell our house to pay down debt because our taxes keep going up?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 8, 2018

"A student loan will linger like no other debt. It will just haaaaaaang around, hang around like an unwanted brother-in-law." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A man in Kansas paid off his house, but still has student loan debt. Listen as Dave coaches him through a plan to get out of debt quickly—the 7 Baby Steps. A couple from California visits the studio to do a DEBT-FREE SCREAM! Dave explains what it means when he talks about "Nerds" and "Free Spirits," and why they need each other.

 

Caller Questions:

  • What do we do if we need a new car while still in debt?
  • How do I sell a car I'm upside down on?
  • Should I be paying more than the minimum on my student loans now that my house is paid off?
  • How can I find a job that doesn't bore me?
  • Should I relocate?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 7, 2018

"America, the American dream is still available—and contrary to what you hear on the news—it's available and you can still do it." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan celebrates the pre-sale release of his new book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth—and How You Can Too by hosting a Millionaire Theme Hour! Listen to how real people explain how they achieved a net worth of $1,000,000 or more!

 

Today's Everyday Millionaires:

  • 2MM from Columbia, South Carolina: "Every year we averaged at least 15% into 401(k)s." 
  • 1.1MM from Atlanta, Georgia: "I started working when I was 12." 
  • 1.1MM from Boulder, Colorado: "Get started early and just focus." 
  • 1.5MM from Concord New Hampshire: "My kids will tell you, we had the 'slushy years' — we couldn't even afford to get our kids slushies."
  • 1.7MM from Redding, California: "I went back to college at age 40."
  • $1.1MM from Green Bay, Wisconsin: "I started out at $16,000 salary." 

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 7, 2018

 

"It's possible. The American Dream is not only alive, it's well, and it's available to you if you make the decision." — Chris Hogan

 

Ramsey Personality Ken Coleman interviews Retirement expert and best-selling author Chris Hogan as he announces the pre-sale release of his new book, Everyday Millionaires, How Ordinary People Built Extraordinary Wealth—and How You Can Too! Ken and Chris take calls and answer questions across America on your life and your money. 

 

Caller Questions:

  • Is it okay to take money out of my retirement accounts to pay down debt?
  • Are Target-Date mutual funds a good idea?

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Ken Coleman? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 7, 2018

"Your dreams just don't happen. You've got to make them happen. And you do that by staying focused." — Chris Hogan

 

Retirement expert and Ramsey Personality Chris Hogan announces the pre-sale release of his new book, Everyday Millionaires, and answers questions across America about investing. Featured Call: Chris identifies with a father in Indiana who wants to make sure he's planning a secure future for his special needs children. Chris encourages listeners to surround families of special needs kids and closes the episode with a quote by Margaret Thatcher: "No one would remember the Good Samaritan if he'd only had good intentions. He had money as well."

 

Caller Questions:

  • What's the best way for us to use a $600,000 inheritance?
  • Why do you recommend investing rather than use that money to pay off the house?
  • How much should I put into an ABLE account for my special needs children?
  • Should I set money aside for investing or saving for a down payment?
  • How much money should I be putting in a Roth IRA?
  • What's the best way to invest my pay increase?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 6, 2018

"Make sure you're living on a really detailed written budget . . . Your money will feel like it's working harder." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A man in Knoxville, Tennessee calls to ask if it's okay to stop retirement investing in order to save for a home. Listen as Dave explains why this is okay and how long you should push pause on investments. A family from Missouri visits the show to do a DEBT-FREE SCREAM after paying off their house!

 

Caller Questions:

  • Should I sell my house?
  • How do you determine assets?
  • Is it okay to stop investing to save for a house?
  • Are annuities a good idea for me?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 6, 2018

"You can't afford the school you're going to right now . . . I'm going to be looking to transfer schools for the next year." — Rachel

 

Ramsey Personalities Ken Coleman, Rachel Cruze and Anthony ONeal answer America's questions about money, millennials and career. Anthony shares a letter from a parent of a 11-year-old entrepreneur who is on fire! You'll be inspired by what this kid accomplished over the summer! Featured Call: A college sophomore with $20,000 in student loans—and planning on taking out $20,000 more—wants to know if she should invest in mutual funds. Hear Rachel challenge her on her college choice and encourage her to avoid going further into debt.

 

Caller Questions:

  • Am I on the right track with my business options?
  • As a teen, should I be investing my money?
  • I'm 18 and going into the military. How can I be good with money?
  • Should we stop paying down the mortgage to save for a car?
  • Do we put our mortgage in the debt snowball?
  • Should I pay off college loans or invest my money?
  • Is it smart to downsize our house to pay down debt?

 

Want to Hear More From Ken Coleman? 

 

How to Find Rachel Cruze:

 

Want to Hear More From Anthony ONeal? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 6, 2018

"Think about it. Don't do stuff by accident. Do it intentionally . . . one of the most powerful things you have is CHOICE." — Dave Ramsey

 

Dave takes calls and answers your questions about life and money. Featured call: A 22-year-old calls wondering if it's a better idea to stay in the military or pursue a different career. Listen as Dave coaches him to be intentional about making a plan that will take him where he wants to be in 20 years and spins off into a classic "German Polka History" DAVE RANT.

 

Caller Questions:

  • Will it hurt my appraisal that my home addition didn't have a building permit?
  • Is a condo or house a better investment?
  • Do I have legal recourse to make a buyer stick to the contract?
  • Is it immoral to take a life insurance payout?
  • Can you give me advice on whether I should stay in the military or pursue a career in the private sector?
  • When is the right time for me to hire someone to help me with my small business?
  • I'm 16. What should I do with the money I'm making?
  • Should I finance solar panels?

 

Also Mentioned on the Show:

  • Save BIG on budgeting tools, college must-haves, and more.

 

Thanks for listening!

 

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

Aug 3, 2018

"In America right now, we have more jobs available than we have people unemployed. Hello! That's a massive demand for talented people; character people." — Ken

 

Ramsey Personality Ken Coleman starts the show discussing job opportunities in America and takes calls to answer questions on life and career. Featured Call: A sales associate is intimidated by the idea of becoming a sales manager and asks Ken for advice on how to gain the skills needed to do the job. Listen as Ken boosts his confidence and helps him realize he's more qualified than he thinks!

 

Caller Questions:

  • How do I narrow down what career field to go into?
  • What can I do to find a job I'm passionate about?
  • How can I get the skills needed to move into a management role?
  • Should I go back to school to get my bachelor's degree even if I can get hired without it?
  • How do I make more money?

 

Want to Hear More From Ken Coleman? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Aug 3, 2018

"None of this sounds smart. It sounds like triple dumb." — Dave 

 

Dave takes calls from across America to answer questions on life and money. Featured call: A young lady asks Dave if she should buy and renovate a trailer because she hasn't found a rental in her area. Dave answer her question, then follows up with a classic DAVE RANT: "When you limit yourself to one or two possible options because you haven't scratched and clawed and dug around the problem—you haven't worked the problem hard enough—you're almost always going to make a bad decision." Listen to hear Dave's advice on overcoming a fatalistic mind-set!

 

Caller Questions:

  • Should we sell our land to pay down debt?
  • Is it okay to pause retirement investing to save for a down payment?
  • Should I buy out my lease for $30,000?
  • When should I roll my 401(k) into a Roth IRA?
  • Do you think I should get a second mortgage to pay off my credit cards?
  • How do I plan for my business's off season?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 3, 2018

 

"It's sixth grade math. That's a cop-out. What you're not good at is controlling you." — Dave Ramsey

 

Dave and Chris Hogan bust the myth that retirement is an age. Not everyone is financially ready to retire at age 65, and many reach the retirement "tipping point" much earlier. Featured call: A graduate student calls Dave for investing advice, but the truth surfaces that their spending is out of control and they are over-drafting each month. Dave takes calls from across America to answer questions on life and money. A young man from South Dakota visits the show to share his debt-free story: "I want to thank my mom. I lived in the basement of her house for six months, and I couldn't have done it without her!" 

 

Caller Questions:

  • Should I switch to a Roth IRA?
  • Is it wise to cash out my retirement fund to pay off debt?
  • Are we spending too much on a kitchen remodel? 
  • Is Cash Value Life Insurance a good investment?
  • Should my wife take a job that requires her to leave home three weeks at a time?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Aug 2, 2018

"This is you saying, 'I want to take this step as a man to straighten my act, earn my marriage back . . .'" — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A man from California calls Dave for help to get his life back on track after his wife left him because he wasn't taking care of the family financially. A couple from Illinois visits the studio to do a DEBT-FREE SCREAM after paying off over $91,000! Listen—you won't believe what the husband put up with for over a year to make their debt-free story possible! Dave talks about two common characteristics of successful people.

 

Caller Questions:

  • Is it okay to take money out of our mutual funds to pay for a house?
  • What percentage of my income should I put in my TSP?
  • Should I sell my house and take an $80,000 loss?
  • Is selling my house a smart move?
  • How can I get my life and marriage back on track?
  • Should I sell everything I have to focus on my side business full time?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 2, 2018

"Only if it's going to help them. If you are, however, participating in their lack of discipline—their misbehavior with money—then you are an enabler." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A woman in California feels uneasy giving $6,000 to her husband's uncle but doesn't know how to say no. This call leads to a classic DAVE RANT on family members who enable bad financial behavior. A couple from Ohio calls the show to do a DEBT-FREE SCREAM after reading a dusty copy The Total Money Makeover that had been sitting on their bookcase for 3 years!

 

Caller Questions:

  • Are Property Tax Lien Certificates a good investment?
  • Should we give money to a family member?
  • How can I get out of debt faster?
  • How long is too long to pause the debt snowball?
  • Will I be able to catch up on retirement?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 2, 2018

"There's a lot more going on here than a financial problem or two. Your financial problems are a symptom of all the crazy going on in your life." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured call: A homeless man in Missouri asks Dave how to get his wife to make better choices so he can afford a new place for his family to live. A family from Kansas City visits the show to share their inspirational debt-free story: "When you align your heart with God's heart, He just places the things that you need in your life. And I didn't realize how much our finances were actually burdening me."  

 

Caller Questions:

  • What's the best way to invest the money I'm receiving from my wife's life insurance policy?
  • Should I use the emergency fund to pay off my mortgage?
  • How do I get my wife to make smarter choices?
  • How can I teach my son to avoid the same money mistakes I have made?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 1, 2018

"Broke family members giving you financial advice, that isn't who we listen to. You listen to your heart." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. A couple from Indiana calls the show to do a DEBT-FREE SCREAM after paying off $123,000! Listen to their story of determination and perseverance: "My parents lived paycheck to paycheck and I didn't want that for my life and my kids." 

 

Caller Questions:

  • Do we have too much debt to buy a house and have kids?
  • Am I ready to buy a house? 
  • Should I transfer my debt to a 0% interest card?
  • Is it okay to take a pay cut to move closer to family?
  • Can I skip Baby Step 3?
  • What's the best way to budget for yearly expenses like Christmas?
  • When do we pay back my in-laws?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Aug 1, 2018

"That's the beauty and challenge of humility—you don't recognize the greatness that you have within yourself to impact someone else's life in a positive manner." — John OLeary

 

Ramsey Personalities Ken Coleman and Rachel Cruze chat about how much money parents spend on kids' birthday parties and answer questions about your life and your money. Ken interviews best-selling author John O'Leary. Listen to his incredible, inspirational story to discover how to live a life of significance.

 

Caller Questions:

  • How do I get started paying off $120,000 debt with a $60,000 income?
  • What's the best way to handle our house in foreclosure?
  • Should I leave my job because they won't give me a raise?

 

Want to Hear More From Ken Coleman? 

  • The Ken Coleman Show: Get practical life advice and discover the role you were born to play.
  • Read One Question: Life-Changing Answers From Today's Leading Voices

 

How to Find Rachel Cruze:

 

How to Find John O'Leary:

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 1, 2018

"Before you give them any money—two things you have to remember—get it in writing and never give them electronic access to your checking account." — Dave 

 

Dave takes calls from across America to answer questions on your life and your money. Featured Call: A widow calls Dave for help after she made bad financial decisions when her husband was murdered several years ago, and she can't seem to move forward in life or get control of her money. A family from Virginia visits the show to share their debt-free story: "Coordinating our dreams was key. We sat down and talked about what we wanted to do in the future, so we had a direction we wanted to go to—moving the same direction together."

 

Caller Questions:

  • What should I do now? I made poor financial choices after my husband died.
  • Should I take money out of my 401(k) to make progress on the Baby Steps?
  • How can I avoid bankruptcy with all of my debts in default?
  • Should I fix or sell my car?
  • How do we plan for a potential move and transition to a new job?
  • Can we charge my wife's hearing aids?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 31, 2018

"My dad said 90% of solving a problem is knowing there is a problem." — Dave

 

Dave takes calls from across America to give practical advice on your questions about life and money. Dave explains that sometimes an "oh crap" moment is exactly what you need to decide to grow up and take control of your money. A couple from New York visits the show to tell their debt-free story: "We're making too much money to not know where the money's going." 

 

Caller Questions:

  • Do you recommend keeping our retirement money in a TSP?
  • How do I attack debts in collections?
  • Is it foolish to get a loan to remodel my house?
  • Should I get my MBA?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

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