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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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Aug 28, 2018

Dave answers questions from across America about your life and your money. Featured Call: A man in Florida asks Dave if his in-laws should do a reverse mortgage on their home. Listen as Dave explains why reverse mortgages are one of the worst financial choices you can make. Debt-Free Scream: A couple from Iowa visits the show to share how they paid off $52,000 in just 2 years!

  

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Aug 28, 2018

Dave opens the show with the story of how he created "The Baby Steps" to help people get out of debt and take control of their money so they can become millionaires and change their family tree forever! "You shouldn't be living paycheck to paycheck. You work too hard to be broke." — Dave

Dave answers questions from across America about your life and your money. Featured Call: A man in Detroit is wondering what he should expect to pay a financial advisor. Dave gives insight on Managed-Account payment models. Debt-Free Scream: A single mom from New Mexico calls the show to share how she paid off $64,500 in less than 2 years.

  

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Aug 28, 2018

Dave opens the show by addressing the hopeless haters on social media who think it's impossible to build wealth without taking out student loans: "Don't tell me you can't go to school debt-free. You've chosen not to go to school debt-free." Dave answers questions from across America about your life and your money. Featured call: A wife in Texas is being audited by the IRS and doesn't want to tell her husband about a new bill that's due. Listen as Dave explains the best way to handle finances in marriage. Debt-Free Scream: A single mom in Connecticut calls the show to share how she paid off $40,029 in one year: "I was working a whole lot and every dollar that I made from overtime went towards the debt."  

  

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Aug 27, 2018

Dave answers questions from across America about your life and your money. Featured Question: A man in Washington asks Dave if it's okay to use the emergency fund to replace "Sally the Truck" because it has no heat. Dave has lots of fun chatting with this gazelle-intense caller: "A guy who has a space heater plugged in to the cigarette lighter in his car will never borrow money again!" Debt-Free Scream: A couple in Minnesota calls the show to share how they paid off $134,000 in less than 2 years: "We didn't make a single money decision . . . without talking to each other." DAVE RANT: Dave remembers John McCain and remarks on how it's sad that Americans can't disagree without being disagreeable.

 

Calls This Episode:

  • Should I use our emergency fund to replace our car?
  • Is it best to sell my land to pay off student loans and finish my degree?
  • I want to become a dentist, but going into that much debt intimidates me.

 

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Aug 27, 2018

Dave answers questions from across America about your life and your money. Everyday Millionaire: Dave interviews a man in Texas with an investing question who consistently put money into his 401(k) over the years: "I never thought I'd be a millionaire, but here I am." Debt-Free Scream: A couple from Indiana visits the show to share their "Maternity Pants Meltdown" debt-free story!  Twitter: Dave responds to a question on Twitter about survivor benefits. Follow @DaveRamsey on Twitter to post your own question for Dave!

 

Calls This Episode:

  • When should I start investing in a Roth IRA?
  • I'm living paycheck to paycheck and cant' get ahead.
  • How should I spend my nest egg?
  • Would it be better to sell my house without a real estate agent so I can make more on it?

  

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Aug 27, 2018

Dave opens the show with a classic DAVE RANT: "The problem is . . . you couldn't resist buying crap that you didn't have the money for." Debt-Free Scream: A project manager from Georgia visits the show to share what motivated her to pay off $69,000 in just over one year! Studio Guest: Ramsey Personality Rachel Cruze joins Dave in studio to discuss contentment and to answer questions from across America about your life and your money. Featured Call: A newly engaged man in Ohio calls the show because he's struggling with the idea of pausing retirement investing in order to pay off student loans. Listen as Dave and Rachel explain the importance of being focused on the goal to pay down debt quickly!

  

How to Find Rachel Cruze:

 

Also Mentioned on the Show:

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

 

Thanks for listening!

 

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Aug 24, 2018

"Any time I can move money into your name early in the process—meaning you own it and you control it no matter what happens—that means you're gonna come out ahead." — Dave

 

Dave answers questions from across America about your life and your money. DAVE RANT on shacking up vs. marriage. Featured call: A woman in Boston is ready to cut her commute by moving closer to the city and is undecided on whether renting or buying a home is her best option. Listen as Dave walks her through some basic renting vs. home-buying guidelines. Millionaire Interview: Dave talks to a millionaire in Colorado Springs to discover how he built his wealth: "One of the things I did to avoid having a big education loan was to work my way through college." 

 

Calls This Episode:

  • Should we pay down our mortgage or save for a new house?
  • Which Baby Step does a HELOC go in?
  • Is it smart to take a blended military retirement option?
  • Can I buy a house in Baby Step 2 while I still have debt?
  • We're moving closer to the city and can't decide whether to rent or buy.
  • Should we put the debt snowball on pause to save for a move?
  • I'm nearing retirement. Should I use my IRA to pay off my mortgage?

 

Also Mentioned on the Show:

  

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Aug 24, 2018

"You don't want to turn an emotional loss into a financial battle." —Chris Hogan

 

Retirement expert Chris Hogan joins Dave in studio to discuss best practices in leaving a legacy for your family. Dave and Chris answer questions from across America about your life and your money. Featured call: A dad in New York makes over $220 a year but isn't making progress on paying down debt. Listen as Chris challenges him to take responsibility for the problem: "The thing is, you have to make a decision for yourself. Are you going to keep making these credit card companies rich . . . or are you going to do the thing that I think you want to do deep down in your heart? And that's building a legacy for you, your wife and your children." Millionaire Study: Dave and Chris discuss the results of the largest study of net-worth millionaires ever done.

 

Calls this Episode:

  • My debt-free process isn't working. 
  • Can I afford to buy a lake house?
  • Is it okay for me to buy a more expensive car?
  • Should I accept a low-ball offer on my house?

  

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

  

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Aug 24, 2018

"The worst car accidents happen on the showroom floor." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A wife in Texas is scared to use savings to buy a car and wants to let her husband get a lease to make him happy. Listen as Dave explains how her behavior is codependent and why leasing a car is financially stupid: "It's the most expensive way to operate an automobile." Debt-Free Scream: A young couple from Memphis, Tennessee visits the show to share their debt-free journey: "We cash-flowed a car and lived in a tiny apartment, and we didn't care if we looked crazy to anyone else."

 

Calls This Episode:

  • My car lease won't let me raise my insurance deductible.
  • Should I try to get a settlement on my credit cards or pay them in full?
  • Should I say yes to my husband leasing a car?
  • Would it be a good investment to buy a locksmith business?
  • Do we make enough money for me become a stay-at-home mom?
  • Do we have to include our car lease in Baby Step 2?
  • Can I retire early?

 

Also Mentioned on the Show:

  

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Aug 23, 2018

"The more expensive a vehicle is the more difficult it is to sell." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A man in Texas needs advice because he owes $49,000 on a truck and only makes $60,000 per year. Listen as Dave explains how get out from under the vehicle: "You need to find what your payoff balance is." Debt-Free Scream: A couple from North Carolina visits the show to share how they paid off $60,000 in less than 2 years.

 

Calls This Episode:

  • I owe $49,000 on my truck. How do I sell it?
  • I don't make enough to save $1,000 for Baby Step 1.
  • How fast can I pay off our student loans?
  • Should I start a side hustle?
  • How can I set boundaries with my family?

 

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 23, 2018

Dave answers questions from across America about your life and your money. Social Media: Dave responds to a question on Twitter asking why he doesn't help his callers by giving them money. Follow @DaveRamsey to post your own question for Dave. Special Guest: Dave interviews Craig Groeschel on air about doubting your faith. "Don't deny your doubts. Don't pretend they're not there. I believe God would rather you yell at him than to walk away from Him." — Craig Groeschel  Debt-Free Scream:  A couple from Memphis, Tennessee visits the show to share how they paid off $35,000 in just 13 months! 

 

Calls This Episode:

  • What's the best way to budget for our wedding?
  • What should be our first priority in Baby Step 4?
  • How much of my net worth should be tied up in property?

 

Find Craig Groeschel: 

  

Also Mentioned on the Show:

  

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Aug 23, 2018

"Common sense is like having a super power." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A Texas landlord asks if he should pay off his current rental before he buys a house with his girlfriend? Listen as Dave coaches him through the best way to approach investing in rental properties as a way to build wealth. Debt-Free Scream: A family from New York visits the studio to share how they went from normal to paying off $40,000 in just one year: "We thought that student loans stay with you forever."  

 

Calls This Episode:

  • Should I sell my house to pay off $91,000 of student loans?
  • How do I prepare for my baby's future since he has Downs Syndrome?
  • Is it better to pay down my first rental, or should I take an opportunity to purchase another one?
  • How much should I save on top of my state-funded pension?
  • Should I use my 401(k) or a Roth IRA for investing?
  • Is it smarter to save for taxes or pay off my car?
  • Should I sell my property and invest the proceeds?

  

Also Mentioned on the Show:

  

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Aug 22, 2018

"You just told me your husband was passive. That's like the worst possible thing you can say about a guy!" — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A scared wife in Florida needs advice on how to get her husband to take an active role in their finances. Listen as Dave explains how to talk to a man in a way that gets his attention: "Guys are thick. We don't do subtly."  Debt-Free Scream: A family from Boston visits the studio to share how they paid off over $26,000 in less than a year so they can afford their first house! Learn the Baby Steps: Dave ends the show talking to a brand-new listener about the proven plan to ditch debt—for good— and build incredible wealth.

 

Calls This Episode:

  • I have $150,000 in debt and can barely afford paying my bills.
  • How do I get my husband involved with our finances?
  • Should I be saving for a house or investing?
  • Is it okay to get a zero percent car loan?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 22, 2018

"There is no data that says the size of the ring equals the success of the marriage." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A grad student from Philadelphia needs advice on when to get married and how much to spend on a ring and the wedding. Listen as Dave gives some practical budget guidelines and explains what makes a successful marriage: "There are lots of data points that say you two need to be on the same page when you get married."  Debt-Free Scream: A chef in Detroit, Michigan calls the show to share how it feels to pay off over $32,000 in just one year: "It is a huge weight off my shoulders . . . it feels amazing."  MINI DAVE RANT: "This is not a get-out-of-debt program. It's a wealth-building program." Social Media: Dave responds to a question on Facebook: "Is it better for newlyweds to rent or to buy?" Follow @DaveRamsey on Facebook to post your own question for Dave!

 

Calls This Episode:

  • At what age should I start drawing my retirement pension?
  • How do I figure out my net worth?
  • What should I spend on the wedding?
  • I don't feel comfortable getting joint bank accounts with my husband until we're on the same page with a budget.
  • Should I defer my student loans?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 22, 2018

 "I'm a natural spender . . . I figured out I could spend more if I had more." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A man in Chicago calls Dave asking for advice because he can't seem to get motivated to save money. Listen as Dave gives him three significant reasons to start saving, even if you're a natural spender. Debt-Free Scream: A couple in West Virginia calls the show to share their debt-free journey: "It became sorta fun—we're watching our budget and watching our debt just trickle down." DAVE RANT: "How much would you give if you weren't broke?" 

 

Calls This Episode:

  • How can I be better at saving money?
  • Am I over-obsessed with investing?
  • Is it wise to consolidate student loans?
  • Am I obligated to pay back a Parent Plus loan?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 21, 2018

"Wealth building isn't easy. It's unusual." — Dave

 

Dave answers questions from across America about your life and your money. Debt-Free Scream: A newlywed couple from Ohio visits the show to share how they paid off their student loans:"Live below your means and stay gazelle intense." 

 

Calls this Episode:

  • How much should my business have in its emergency fund? 
  • Should we refinance our mortgage?
  • I can't get $1,000 saved for my starter emergency fund.
  • Should I go back to school or move to an area where I have better job opportunities?

  

Also Mentioned on the Show:

  

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Aug 21, 2018

"You don't have to be debt-free to get married . . . It's time to wrap this decade of your twenties up and move the rest of the way into adulthood." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A truck driver and his fiancee are living paycheck to paycheck with zero savings, and he wants to know when they should get married. Listen as Dave coaches him through a proven plan to get control of their money: "I had to learn from rich people how to handle money, and one of the things I learned is they are not afraid to delay pleasure to win. Every decision they make with money, they think about the long-term consequences."  Debt-Free Scream: A family from Florida visits the show to share how they paid off over $151,000: "We pretty much cleaned out the gun safe, and I could probably write a book about the encounters I've had over Craig's List." DAVE RANT: "One of the things we struggle with in our culture today is we have a manhood crisis."

 

Calls this Episode:

  • We're living paycheck to paycheck and have zero savings. How do we get started?
  • My wife and I have to move to move to Paraguay for two years. Should we pause our debt snowball?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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Aug 21, 2018

"Quit borrowing. You can't borrow more. You can't get out of a hole while digging out the bottom." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A single mom is in debt up to her eyeballs while trying to pay for two daughters in school. Listen as she takes ownership of the financial mess she made as Dave tells her what steps to take to clean it up: "Every month you have to make every dollar behave. You are now happening to your money instead of your money happening to you." Debt-Free Scream: A local couple visits the studio to give Dave some barbecue sauce and share what motivated them to pay off $240,000: "7 years ago I lost a job that I thought I was going to have forever, and—man—I just never want to have that feeling ever again." Listen to hear what they did to cash-flow an anniversary trip to Maui in the middle of their debt-free journey! Social Media: Dave responds to a question on Twitter about REITs. Follow @DaveRamsey on Twitter to post your own question!

 

Calls This Episode:

  • Should I take over the business I work for?
  • How do I get out of debt?
  • What should we do with a lump-sum payout my husband is getting when he retires?
  • Can we buy a car before we save a 3–6 month emergency fund?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 20, 2018

Dave answers questions from across America about your life and your money. DAVE RANT: "Choices have consequences!" DEBT-FREE SCREAM: A single dad and his 2 kids visit the show from Connecticut to share how the Sandy Hook tragedy motivated him to pay off $333,000:"People meant well, but it was chaos and hard to get through." Dave closes the show with a teaching segment on the value of higher education.

 

Calls this Episode:

  • Can I use my $1,000 emergency fund to pay for college?
  • What are some alternatives to a 529 plan?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 20, 2018

"If you just go in there and not be a zoo animal, it would be helpful." — Dave

 

Dave answers questions from across America about your life and your money. Featured Question: A young man competing for an internship wants advice on what kind of questions he should ask in an interview. Listen as Dave coaches him on how to make a great impression and what characteristics to bring to the table. Debt-Free Scream: A couple from Minnesota visits the studio to share how they paid off $110,000 of student loans after taking Financial Peace University: "The hardest part was seeing everyone else our age doing the normal thing and going on expensive vacations, and buying new houses and buying new cars." 

 

Calls this Episode:

  • What should I do with my stock options? 
  • Should we sell our house to become debt-free?
  • What questions should I ask in an interview for a competitive internship?
  • Should we use our emergency fund to pay legal fees?
  • I'm new to investing and don't understand what the bank is telling me.

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 20, 2018

 

"The data tells us that the vast majority of people who build wealth have some kind of college under their belt." — Dave

 

Dave answers questions from across America about your life and your money. DAVE RANT: "Sometimes people don't have dysfunction because of lack of prosperity. They have lack of prosperity because of dysfunction—lack of character." Featured Question: A brand-new father asks if he should invest in UTMAs instead of 529s if he doesn't want to force his children to attend college? Listen as Dave explains why parents should expect their kids to go to college or trade school. Debt-Free Scream: One of Dave's own team members shares how he paid off $104,000 in less than 2 years!

 

Calls this Episode:

  • My company wants me to take out a loan on a car for a new sales job.
  • How should I invest "college" money if I don't want to force my kids to attend college?
  • We backed out of a real estate contract. How do we get our earnest money back?
  • Should I refinance my second mortgage into my first mortgage?
  • What should our focus be after we finish saving for our kids' college funds?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 17, 2018

Dave answers questions from across America about your life and your money. Featured Question: A small-business owner asks how to determine what she should be setting aside to pay quarterly taxes. Listen as Dave explains how to set up business accounts to plan for this expense. DEBT-FREE SCREAM:  A couple in North Carolina visits the show to share how they paid off $119,500 in less than 2 years!

 

Calls this Episode:

  • I'm scared to take money out of savings to pay off my car.
  • Can we put our tithe into a 503(b) giving fund?
  • We're newlyweds, and I want to sell the car my wife's parents gave her, but she's not on board.
  • Should we sell our house to pay off debt?
  • We bought a car we can't afford, but our car seats won't fit in it!
  • How much do you recommend I set aside to start my own bookkeeping business?
  • Can you explain mutual funds to me?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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Aug 17, 2018

"Broke people make decisions based on what feels good Friday and rich people make decisions on what feels good a decade from now." — Dave

 

Dave answers questions from across America about your life and your money. Featured Call: A truck driver in Arkansas calls Dave frustrated because his truck keeps needing repairs and he can't get ahead. Listen as Dave helps him set aside his emotions and assess the situation logically: "100% of the time that I get desperate, right after I get desperate I get stupid."  DEBT-FREE SCREAM: A couple in Washington, D.C., calls Dave to share what motivated them to pay off $58,000 in just 2 years: "I was so tired of being scared." 

 

Calls this Episode:

  • I don't want to get a loan, but my truck repairs keep using my emergency fund.
  • Is it okay for me to quit my job and start teaching cello?
  • Should I take a second full-time job to attack my debt and save for my kid's college fund?
  • Should I pay of debts with a higher interest rate first?
  • How can I find tenants for my office space?
  • Do we need to stop contributing to our 401(k) while we pay off debt?
  • I'm tired of having student loans. Should I sell my house and live in a cheap trailer to pay them off?

  

Also Mentioned on the Show:

 

Thanks for listening!

 

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

Aug 17, 2018

 

"You need to decide what your desired future is . . . then that will tell you—almost automatically—what the the steps are to get there." — Dave

 

Dave answers questions from across America about your life and your money. Special Guest: Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to talk about an extensive study the Ramsey Research Team launched to figure out exactly what over 10,000 net-worth millionaires did to win with money. "Getting out of debt is the prerequisite to building wealth." — Dave  Featured Call: A 20 year-old Walmart associate asks Dave for advice because he doesn't have a clear plan for his future, but he doesn't think college is the right choice for him. MINI DAVE RANT: Dave sets the record straight on why he doesn't dance around the truth when people call him for advice: "I'm not going to participate in your insanity that's going to bring you harm. I'm going to be a truth-teller in your life because I care about you and want you to win." 

 

Calls this Episode:

  • I feel stuck by my debt. What can I do to get control of my money problems?
  • Should we sell our house to help get rid of $300,000 in debt?
  • Was it a bad idea for me to use a company car allowance to buy a Denali?
  • Can you settle a dispute between me and my husband about whether to pay off our mortgage in Baby Step 2.
  • Should I move my deferred comp account?
  • What's the best way to bring up our money problems with my wife?

 

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 16, 2018

"It sounds like maybe in the past your mom has motivated her grown children with guilt trips." — Dave

 

Dave answers questions from across America about your life and your money. Featured Call: A woman in Minneapolis asks whether they should set aside a separate emergency fund for family in Nicaragua who keep asking for money. Listen as Dave discusses the cultural and economic differences between America and other parts of the world, and gives practical advice on when to help and when to say no. DAVE RANT: Dave responds to a Twitter post about how to motivate your employees to care: "I don't. I hire motivated people."  Follow @DaveRamsey on Twitter to leave your own question for Dave.

 

Calls this Episode:

  • How can I get my mom to be responsible with money?
  • I'm not sure how to pay $30,000 for fertility treatments.
  • Should we say no to family asking for money?
  • Is it smart to participate in student loan forgiveness programs?
  • Should I sell my car or keep it and pay it off?
  • When should I give up fighting for my mom's estate?

  

Also Mentioned on the Show:

  

Thanks for listening!

 

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

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