"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!
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"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!
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"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!"
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"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.
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"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!
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"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."
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"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."
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"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.
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"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."
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"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."
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"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."
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"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."
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"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.
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"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!
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"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.
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"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!
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"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.
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"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."
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"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.
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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
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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.
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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
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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
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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
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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:
"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
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