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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
Jul 31, 2018

"Technically it is your debt because technically it's in your name." — Dave

 

Dave takes calls from across America to answer questions on your life and your money. A family from Illinois visits the studio to do a DEBT-FREE SCREAM after changing their family tree by paying off $99,349—including their house—with Financial Peace University. "We liked stuff and we liked vacations, and we thought we worked hard and deserved it."

 

Caller Questions:

  • How can I get over feeling bad about the bittersweet way I got out of debt?
  • Should we relocate to get out of a bad house decision?
  • Is it okay to cash out our mutual funds to buy a house?
  • Should I pay off a credit card my parents used?
  • Which debt should I pay off first with money I'm getting?
  • What do I do with UTMAs for my kids?
  • How do I roll over my old 403(b) to an IRA?
  • What's my next step after divorce as a single mom?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 31, 2018

 

"I think the normal you is stronger than you're giving you credit for." — Dave

 

Dave takes calls from across America to answer questions on your life and your money. A couple from Atlanta visits the studio to share how they paid off over $296,000 in just 36 months: "If you agree on money, you agree on dreams and goals."

 

Caller Questions:

  • How can I break my bad money habits?
  • Can you help me convince my husband you're not a bad person?
  • Is it bad to put money in a CD?
  • Do we need to stop investing to pay down debt?
  • Will you give me some job interview tips?
  • Should we consolidate our debt or try to settle?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Jul 30, 2018

 

"The antidote to fear is action." — Christy Wright 

 

Ramsey Personalities Ken Coleman and Christy Wright answer questions about your career and the best way to start and grow a small business.  

 

Caller Questions:

  • Can I make money as a blogger?
  • Is it inappropriate to ask a company for their P&L statement during an interview?
  • How can I get unstuck in my career?
  • What's the quickest way for me to learn how to do the accounting for my business?
  • Should my business be a sole proprietorship or a partnership with my husband?
  • Am I the only one afraid to share my business with friends and family?
  • What's the best way to drive traffic to my website?
  • How do I get my husband to support my business dreams?
  • How much money should I invest in my business?

 

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 Christy Wright

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Jul 30, 2018

"You're out of control, you don't have a system, you're not living on a budget, and you buy crap at Target on your credit card." — Dave

 

Dave takes calls from across America to answer questions on your life and money. A couple from Kentucky visits Dave in the studio to do a Debt-Free Scream after paying off $72,000!

 

Budgeting just got easy with EveryDollar

 

Caller Questions:

  • How can I stay motivated to keep saving for retirement?
  • Can I spend more on housing because I live in an expensive area?
  • What should I do if I can't stop using credit cards?
  • Should I retire at age 39?
  • Is my low credit score preventing me from getting hired?
  • Should I pay off my mortgage or student loan first?
  • Is it okay to buy a house right before my husband goes to school?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 30, 2018

"There's some kind of a correlation between getting your financial act together and just getting your act together—growing up." — Dave

 

Dave takes calls and gives practical advice on your life and your money. Topics range from college savings to taxes and paying student loans to running a small business.

 

Caller Questions:

  • Should I keep the rental to help pay for college?
  • Is it better to pay off our home mortgage or rental first?
  • Do I need emergency savings in retirement?
  • Should I use my HSA to save for a baby?
  • How do I pay the IRS back?
  • Will keeping my house as a rental make me money?
  • What's the best way to pay off $180,000 of student loan debt?
  • Can you give me advice on marketing a new delivery service?
  • How can I balance business and family?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 27, 2018

"I don't buy any single stocks. But the recommendation I use is to never have more than 10% of your nest egg tied up in single stocks if you're going to." — Dave

 

Dave takes calls from across America to answer questions on your life and your money. Topics include budgeting for business, real estate, income etiquette, and investing. Dave gives practical suggestions to a listener in North Carolina who is fresh out of college and doesn't want to get a credit card, but her employer is requiring her to pay for travel expenses. Dave closes the episode by interviewing a lawyer who paid cash for law school and is making bank because she doesn't have any student loans chasing her!

 

Caller Questions:

  • What's the best way to set up a budget for variable business expenses?
  • How should we combine finances after marriage?
  • Should I renovate my rental before I sell it?
  • Is it okay to move out of my parents' house if it slows down my progress on paying off debt?
  • Is it a good idea to buy company stock?
  • Can we buy an investment property before we buy our personal house?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 27, 2018

"America, it's never about the lack of our ability . . . it's always about the lack of our determination." — Anthony ONeal

 

Ken Coleman and Anthony ONeal reminisce about the ramen noodle college days and answer questions on life and money.  

 

Caller Questions:

  • Can I really pay off $37,000 of debt on my own?
  • What do I do with the extra money I received for college scholarships?
  • What's the fastest way for me to get out of debt?
  • How can I pay cash for college if my parents didn't save enough money?
  • What's the right amount to spend on housing?
  • Should I stop investing to save for a second home?
  • How can I switch careers at 58 years old?
  • What's the best way for me to start saving for retirement?

 

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 Anthony ONeal 

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Jul 27, 2018

 

"This is not really a math problem. This is a relational, a behavioral, an attitude, a spiritual, and an emotional problem." — Dave

 

Dave answers America's questions about life and money, and interviews a young family from West Virginia who shares their debt-free story: "Doing the budget was really helpful in that we knew where our money was going and how we were spending it."

 

Caller Questions:

  • Should I quit my job to become a dog groomer?
  • Where should I put my investments if my company doesn't offer aggressive growth option?
  • How do I get out of a car lease?
  • What if I'm not making enough money in real estate?
  • Is Landlord Insurance a good idea?
  • How do I balance having fun with my life goals?
  • Should we refinance our mortgage? 

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 26, 2018

"Money makes people more of what they already are."  — Dave

 

Dave answers your questions about life and money. Also, in celebration of Financial Peace University Coordinators Week, Dave interviews a couple from California that has led 25 FPU groups and paid off nearly $1 million!

A family from Colorado visits Dave in the studio to scream, "WE'RE DEBT-FREE!" after paying off over $500,000 in less than 3 years!

 

Help people win with money! Become a FPU Coordinator.

 

Caller Questions:

  • Will giving our grown sons some of our inheritance spoil them?
  • Is it okay to buy property or should I invest?
  • When do I pay off my HELOC?
  • How do I include reimbursable company expenses in my budget?
  • Do you think the economy is about to crash?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 26, 2018

Dave takes calls from across America to answer your questions on growing profits in business, saving for a house, and how to get out of debt. Dave explains what college students should be doing with their money. A couple from Texas visits Dave to share a heartbreaking story that urged them to take control of their money. Listen to how they paid off $78,000 in just 9 months: "You have to be on the same team and fighting the same fight." 

 

Financial Peace University will help you take control of your money and fight for your future

 

Caller Questions:

  • How do I balance investing in my business with take-home pay?
  • What's the best way to save for a bigger house?
  • Can I pay off the bills without interest first?
  • Is it smart to start investing while I'm in college?
  • Should we sell our rental to pay off our HELOC?
  • Will getting a mortgage give me a credit score?
  • How can I get my husband to join me in getting out of debt?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 26, 2018

The Minimalists join Dave in studio! 

 

"Minimalism was a way for me to figure out, what are the things that are truly going to add value to my life . . . then to get rid of those things that are just in the way." — Joshua

 

Joshua Fields Millburn & Ryan Nicodemus share their personal debt-free story and how living with less completely changed their perspective on life and money. Joshua and Ryan respond to a caller who asks how to influence her kids to live with less.

 

"We're redefining what's important. The gathering of stuff is not what's important. . .  It's a mindset that says STUFF is not where I'm going to draw my happiness." — Dave

 

The second half of this episode opens with a Texas-sized Debt-Free Scream. A family visits Dave in studio to share how they paid off nearly $400,000 after reading The Total Money Makeover.

 

Caller Questions:

  • How can I convince people to take FPU?
  • What should I do with my inheritance?
  • Should I borrow money to get my graduate degree?

 

Take Control of Your Money With Financial Peace University.

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 25, 2018

Dave gives practical advice on how to make a plan for your money that your future self with thank you for! Dave shares a personal story about how his grandpa handled money, and what he said when a young Dave rolled up his driveway in a brand-new Jaguar.

 

Smart Money will give you the momentum you need to kick-start your financial goals.

 

"Don't put your money in stuff that goes down in value. Put it in stuff that goes up in value." — Dave

 

Caller Questions:

  • Should I be investing while saving for med school?
  • Is it better to pay extra on the mortgage or put it in savings?
  • How can I get my wife to agree that we need to get out of debt?
  • Should I take out $300K in medical school loans or go into the military and make less money?
  • Is it okay to sell a home we've only owned for a year?
  • Why is it important to keep car values under half your annual income?
  • How can I convince my wife it's okay for her to stay home with our daughter?
  • As a contractor, should I be saving money or paying down debt?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 25, 2018

Dave takes calls and answers questions from across America on everything from houses, cars and college savings plans. A couple from Kentucky visits Dave in studio to share their debt-free story after paying off over $260,000! The best part is, now they're giving back by teaching Financial Peace University as coordinators! 

 

Help people win with money. Become a FPU Coordinator!

 

"If you do not resist using debt in a crisis scenario, it will bankrupt you." — Dave

 

Caller Questions:

  • Is owning a home worth it?
  • When should we replace our car?
  • How much money can go into a 529 fund to save for college?
  • Is it a good idea to use retirement funds to buy a car?
  • Are solar panels a good investment to increase the value of my home?
  • How do I pay legal fees without loans?
  • When is the best time to buy a house? 

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 25, 2018

Dave gives practical advice to callers about everything and anything relating to life and money, and chats with a young family from Washington who calls the show to scream, "We're debt-free!" after paying off $30,000 in just 5 months! A local couple drops by the studio to talk with Dave about their experience helping people win with money:

"One of the things I really love about the opportunity to teach a Financial Peace University course is to watch the people on week one when the first come in, and a lot of them are stressed out. A lot of them have a lot of worries and a lot of things on their minds. And by the ninth week, the lightbulb just comes on."

 

It's Easy to Include Pets in the Budget With EveryDollar

 

"While we love them like a member of the family, we're going to remember that they're animals." — Dave

 

Caller Questions:

  • Is disability income my client's only option?
  • What's the best way to pay for my house repairs?
  • Do pets need an emergency fund?
  • Should I stop investing to pay down debt at my age?
  • Will selling my truck help me pay down debt?
  • Are variable interest rates better than fixed-interest rates?
  • Is it better to default on our other debts or allow our house to go into foreclosure?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 24, 2018

 

It's officially Financial Peace University Coordinator Week!

Dave starts off this episode by chatting with a coordinator in Baltimore who had led 10 FPU groups over the years. FPU coordinators from Minnesota visit the studio to share their debt-free story: "It's been awesome to encourage people that this is a journey that can be done." You can help people win with money, too. Become a FPU Coordinator.

During the second half of this episode, Business Boutique Academy creator Christy Wright joins Dave in studio to answer questions about starting or growing a small business. Christy takes caller questions:

  • How can I stand out as a woman in business in a market saturated with men?
  • What's the best way for me to help my wife as she starts her own business?

"It doesn't make you a bad mom. It makes you a better mom when you step into your God-given gifts to do something you love to do." — Christy

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

 

Jul 24, 2018

It's an Everyday Millionaire Theme Hour!

Chris Hogan joins Dave in-studio to interview everyday people who have achieved millionaire status to find out how they did it:

  • 1.3MM from Tampa, FL: "You have to learn to be content."
  • 2.8MM from Hot Springs, AR: "My husband is self-employed and I was a teacher."
  • 2.5MM from Chicago, IL: "We hit the ground running. . . working 2-3 jobs, nothing was below us."
  • 1.7MM from Atlanta, GA: "Honesty and integrity are key factors."
  • 2.1MM from Indianapolis, IN: "I worked on my Master's but never finished it." 
  • 1.5MM from New York, NY: "My parents were poor and uneducated but smart and generous."

"Financial success is not the result of academic brilliance. It's the result of character and steadiness and regular people continually investing." — Dave

 

You can become an everyday millionaire. Listen to The Chris Hogan Show to learn how to create a solid plan for your money.   

 

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:

Jul 24, 2018

Need some inspiration to finally get control of your money? This episode has two Debt-Free Screams! Dave chats with a couple in Hawaii who share how they paid off $91,000 in just 11 months after reading The Total Money Makeover"You have to know that your needs tomorrow are greater than your wants today."

Our second debt-free screamer traveled all the way from Chicago to share her story: "With a swipe of a card, it's so easy to build up that debt. . . . I didn't think I could live without a credit card. But you can."

Dave also answers questions from listeners across America on life and money:

  • Are we obligated to pay my in-laws back for student loans?
  • Should my stepmom buy a smaller house or start renting?
  • Is it smart for college students to invest in mutual funds?
  • How can I get started paying off debt?
  • Will moving prevent us from getting to Baby Step 2?

"You have to get your head around the idea that having no debt is the shortest path to wealth." — Dave

 

Follow the Baby Steps to pay off debt fast with The Total Money Makeover.

 

 

Also Mentioned on the Show:

  • Choose your best business idea with Business Idea Bootcamp, the 4-step course you need to go from dreaming to doing.
  • Never worry about money again with Financial Peace University.
  • Learn how to make smart decisions now to help you live your retirement dreams. Read Retire Inspired: It's Not an Age; It's a Financial Number.

 

Thanks for listening!

 

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

Jul 23, 2018

 

Dave takes calls from listeners across America to answer questions on life and money: 

  • Should I cash out my stocks to pay off debt?
  • Is it better to invest in property or mutual funds.

Dave celebrates Financial Peace University coordinators and interviews a coordinator in Louisiana who has impacted over 500 people with this life-changing program. Dave explains why he doesn't usually tell people to sell their home to pay down debt, and gives 3 exceptions to that rule of thumb. 

The last half of this episode kicks off with a a debt-free scream! Listen as a couple from Kansas City shares how they paid off $80,000. Dave wraps up the show by answering a few more caller questions:

  • How can I inspire my brother to get out of debt?
  • What's the best way to invest my money?
  • Is it better to replace the roof or pay off a credit card?

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 23, 2018

Dave starts off this episode by answering financial questions from callers across America:

  • Should we sell our house to pay off debt?
  • Is it better to use a financial coach or take Financial Peace University?

A family from California visits the studio to do their Debt-Free Scream after reading The Total Money Makeover"We had no hope. There was no hope of doing anything fun because there was no money left at the end of the month. It was just depressing." 

During the second half of this episode, Wall Street Journal National Best-Selling Author and Youth Expert Anthony ONeal joins drops in to talk about what students need for their dorm rooms as they head off to their first year of college. Anthony takes caller questions:

  • How can I go to grad school without taking out more loans?
  • What's the best way to build credit so I can get a loan?

"I ended up $35,000 in debt, homeless in the back of my car trying to live the American Dream, trying to impress and have what everyone else has." — Anthony

 

Teach Teens to Avoid Debt with  The Graduate Survival Guide: Five Mistakes You Can't Afford to Make In College

 

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:

 

Jul 23, 2018

This episode begins with Dave answering caller questions about life and money:

  • How long does it take to get out of debt?
  • What should I do to get started in life without going to college?

 

Later, Dave gives a shout out to Financial Peace University coordinators, and talks to a couple in Memphis whose marriage was transformed when they stopped the money fights by getting on the same page financially. A recently engaged caller asks for advice on how to save money for a down payment on a mortgage.

During the last half of the episode, Dave chats with a couple from Philadelphia who visits the studio to share their debt-free story: "I went to grad school all on student loans, and we bought a house with no money down. So we were in trouble."  

Dave closes the episode by answering a few more calls from listeners:

  • Which debt should I pay off first?
  • Why do you condemn the use of credit cards? 

"The credit card is the cigarette of the financial world. There's no upside. It kills you." — Dave

 

Learn how to ditch credit cards for good. Join a local Financial Peace University community group near you.

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Jul 20, 2018

"The biggest factor by far in going to college debt-free is college choice." — Dave

Take control of your money, save for college, and transform your life with Financial Peace University.

Dave answers questions from listeners across America:

  • What do I do with an extra $20,000 we're going to receive?
  • After Baby Step 2, what should we do with our money?
  • Should I convert my after-tax contributions to a Roth IRA?
  • How do I budget on a variable income?
  • Are solar panels considered debt?
  • Can we put our mortgage in Baby Step 2?
  • Am I house poor or should I sell my car?
  • Is it smart to sell my house to pay for med school?

Also Mentioned on the Show:

Thanks for listening!

 

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

 

Jul 20, 2018

"Interest can be two things. Interest can be your friend when it's with your investments and it's growing and you're earning it. But it can be an enemy when you're paying it." — Chris Hogan

Listen to America’s leading voice on retirement, Chris Hogan, as he hosts this hour of The Dave Ramsey Show and answers questions about life and money:

  • Should I pay off my house or start my own business?
  • Can we use my inheritance to make house repairs?
  • How can I tell my boyfriend credit cards are bad?
  • Is debt consolidation a good thing?
  • Should we refinance our mortgage if we're planning to move in a few years?
  • Is this a good time for me to go to back to school?
  • How do we choose a SmartVestor?
  • Can I accept money from my family to buy a car?
  • Should we get a 401(k) loan to pay for unexpected bills?

Want to Hear More From Chris Hogan?

Also Mentioned on the Show:

Thanks for listening!

 

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

Jul 20, 2018

 

 "Knowledge will remove some of your fear if the knowledge is accurate." — Dave

For help with your retirement, college savings, or other investments, talk with a SmartVestor Pro.

Dave answers questions from listeners across America:

  • Can my student loans be discharged if the school was fraudulent?
  • Is there a safer way for me to invest for retirement?
  • Do you recommend long-term care insurance?
  • Is it better to build a new house or renovate an old one?
  • My wife is leaving her job. What do we do with her retirement fund?
  • I'm looking for a job. Am I asking for too much salary?
  • Should I get my real estate license while in debt? 

Debt-Free Scream!

A couple from Indiana shares how they paid off $900,000 after reading The Total Money Makeover. "For the first 8 years or so of our marriage, we just played the game that the world tells you you should play with your finances." 

Also Mentioned on the Show:

Thanks for listening!

 

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

Jul 19, 2018

"Most people buy too much house . . . 'cause they need a skylight and a jacuzzi." — Dave

 

Never Worry About Money Again: Financial Peace University will help you take control of your money, plan for your future, and transform your life.

 

In this episode Dave takes calls from listeners across America to answer questions about life and money:

  • How much mortgage can we afford?
  • Should I move out of my parents' house or keep investing?
  • How do I hold on to hope that I can get out of debt when I keep having to use my emergency fund?
  • What do I need to learn so I don't make the same mistakes my parents did?
  • I get a variable end-of-year bonus. How do I determine my tax withholdings?
  • Do I include taxes and insurance when figuring out how much mortgage I can afford?
  • How can I motivate my husband to get on your debt-free program? 

 

Also Mentioned on the Show:

Jul 19, 2018

"Our plan works because you only date one girl if you want to get married." — Dave

 

Dave chats with listeners across America about money :

  • My husband won't stop contributing to 401(k) to pay off debt.
  • Should I use my savings to pay off debt?
  • Do I stop going to school to avoid more student loan debt?
  • Should I invest in the stock market?
  • We make a lot of money and are scared to spend it.

 

Dave closes this episode with a classic DAVE RANT on Wealth Inequality: "This is the wealth inequality movement. We're going to attack success and successful people." 

 

Also Mentioned on the Show:

 

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