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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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Sep 24, 2018

Dave answers questions from across America on funding a foundation, buying a house with cash, and Social Security. Debt-Free Scream: A family from Missouri visits the show to share how they paid off their house in just 13 months: "We did a major downsize . . . we were on a minimalist journey, and everything we sold we put towards the house."

 

Transform Your Business and Your Life.

Whether you’re just getting started or you’ve been running a business for years, Business Boutique will give you the tools, training, and support you need to make money doing what you love.

 

Featured Calls:

  • What's the best way to start a foundation?
  • Should we buy a house if we might move in 2–3 years?
  • Is it better for me to wait to take my Social Security?

  

Also Mentioned in This Episode:

  • Learn that building wealth has almost NOTHING to do with your income or your background! Join the millionaire movement with Everyday Millionaires.
  • Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 24, 2018

Dave answers questions from across America on how to make a plan for your money, when to sell your car, and dealing with nosey moms. Special Guest: Ramsey Personality Christy Wright joins Dave in studio to chat about how to reach your goals and grow your business to the next level. Debt-Free Scream: A couple from Indiana visits the show to share what motivated them to pay off $91,000 in just 18 months: "We just did not make enough money. We were struggling."

 

Transform Your Business and Your Life.

Whether you’re just getting started or you’ve been running a business for years, Business Boutique will give you the tools, training, and support you need to make money doing what you love.

 

Featured Calls:

  • How do we put together a 5 and 10 year plan for our cash?
  • Should we sell our cars?
  • My mom doesn't like how I'm paying off my debt.

  

Also Mentioned in This Episode:

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

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 24, 2018

Dave answers questions from across America on what to do with your inheritance, budgeting with an irregular income, and dealing with business debt. Debt-Free Scream: A couple from North Carolina visits the show to share their debt-free story. They paid off $207,000 in less than 3 years:"It doesn't matter how far down you start, as long as you are moving upward and getting faster as you go up." 

 

You Can Do This. It's Up to You.

Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires to learn how you CAN become a millionaire.

 

Featured Calls:

  • What should I do with the $50,000 my dad left me when he died?
  • What's the best way to budget when I don't have a regular income?
  • How can I get my business out of debt?

  

Also Mentioned in This Episode:

  • You CAN win with money. We'll show you how at a Smart Money event.
  • Find a qualified SmartVestor investing professional near you.
  • Financial Peace University will help you take control of your money, plan for your future, and transform your life.
  • Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!
  • Learn the simple seven-step plan to get out of debt. Read The Total Money Makeover.
  • Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

 

Sep 21, 2018

Dave answers questions from across America on bitcoin, paying your tax bill, and paying cash for grad school. Debt-Free Scream: A couple from Indiana visits the show to share how they paid off $128,000 using EveryDollar: "You can't sacrifice what you want most for what you want RIGHT NOW." If you're freaked out by debt, don't burn your house down! This episode can help you win with money.

 

You CAN Win With Money:

  • Smart Money will give you the momentum you need to kick-start your financial goals
  • At Smart Conference, you will learn powerful, proven methods to help you make a real impact in the key areas in your life. 

 

Featured Calls:

  • Is bitcoin a scam?
  • I'm confused because I don't know who to talk to about my finances after my husband's death.
  • What's the best way to budget extra cash after relocating to Germany?

 

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 21, 2018

Dave answers questions from across America on getting rid of an upside-down car, credit card rewards, and pensions. Debt-Free Scream: A couple in New York calls the show to share what motivated them to pay off $77,000 in just nine months: "Our relationship started to get rocky. It was just fights after arguments and all that." If you're sick of not having a plan for your money, this episode can help you win with money.

 

Help People Win With Money:

Lead a Financial Peace University Group.You don't have to be a financial expert to lead a class—Dave Ramsey will handle all the teaching! Use online resources and your Coordinator Guide to prepare for each lesson and the class discussion questions.

 

Featured Calls:

  • We need to save three-six months of expenses before getting out of debt to stay in the foster parent program.
  • Is it okay to use credit cards for the cash back rewards? 
  • Will having my name on my dad's deed affect me when I buy a house?

  

Also Mentioned in This Episode:

  • Financial Peace University will help you take control of your money, plan for your future, and transform your life.
  • Retire Inspired can teach you how to make smart decisions now to help you live your retirement dreams.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 21, 2018

Dave answers questions from across America on refinancing your mortgage, term life insurance, and investing for retirement. Debt-Free Scream: A couple from Indiana visits the show to share how they paid off $75,000: "I worked two full-time jobs and worked overtime at both jobs." If you're tired of never having enough money to live the life you want, this episode can inspire you to make a plan to take control of your life and your money. 

 

You Can Do This. It's Up to You.

Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires to learn how you CAN become a millionaire.

 

Featured Calls:

  • My aunt's spending is out-of-control. How can I help her handle money better?
  • Should I refinance my home to help me get out of debt faster?
  • Are child riders a good idea?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 20, 2018

Dave opens the show remembering how it has been 30 years since he declared bankruptcy: "Do you ever think where you'd be if you didn't get knocked down?" Debt-Free Scream: A couple from West Virginia visits the show to share how they paid off a $36,000 tractor in just seven months after attending a life-changing Financial Peace University group: "You really have to make sacrifices and work together." 

 

Work Together on Budgeting:

  • Create your first budget in just 10 minutes with EveryDollar

 

Also Mentioned in This Episode:

  • Financial Peace University will help you take control of your money, plan for your future, and transform your life.
  • You CAN win with money. Discover how at a Smart Money event near you.
  • Retire Inspired will teach you how to make smart decisions now to help you live your retirement dreams later.
  • Preorder our new book, Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

 

Sep 20, 2018

Dave answers questions across America on reverse mortgages. Special Guest: Best-selling author Pat Lencioni calls the show to talk to Dave about creating the right culture in your organization. "The world wants to hear someone who gives them real advice and even err on the side of truth to help them." Two Debt-Free Screams: A couple from Missouri visits the show to share how they paid off $62,000. Later, Dave chats with a couple in Maryland who paid off over $99,000 in just 14 years: "It was pretty much just all hustle and grind . . . getting up at 6 in the morning and getting home at 9 at night, and a lot of rice and beans." 

 

Never Worry About Money Again:

 

Featured Calls:

  • Should I get a reverse mortgage?
  • Is it okay to downsize our house?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 20, 2018

Dave answers questions across America on car leases, debts in collections, and owning stock. Two Debt-Free Screams: A couple from Missouri calls the show to share how it feels to they pay off $43,000 in just 9 months: "There's no longer any fear."  Later, Dave chats with a couple in Washington, D.C., who paid off $194,000 in just two years!

 

Never Worry About Money Again:

 

Featured Calls:

  • Does it make sense to keep our cars until the lease is up?
  • How can I settle a debt that is 10 years old?
  • Should I sell my stock?

  

Also Mentioned in This Episode:

 

Listen and Watch 

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 19, 2018

Dave answers questions from across America on paying off debt, TSP funds, and how much to spend on a wedding. Special Guest: Ramsey Personality Rachel Cruze joins Dave in studio to talk about getting back to the basics with money and handling money together in marriage.

 

Kick-Start Your Financial Goals:

  • Smart Money will give you the momentum you need to draw a line in the sand and stop borrowing money forever!
  • Reconnect and realign the goals of your relationship and your finances at a Money and Marriage Event !

 

How to Find Rachel Cruze:

 

Featured Calls:

  • Should we tell our neighbors to go through Financial Peace University because they can't chip in on the fence we're putting up?
  • My car loan is 0% interest. Should I pay it off with the money we received?
  • How much should we spend on our wedding while in debt?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 19, 2018

This episode starts off with a call from a high school student taking a personal finance class. Listen as Dave answers the class's question about college: "I believe in education. It gives you an advantage forward, but it is not what causes you to be successful." Dave answers questions from across America on buying a car, IRAs, and inaccurate credit bureau reports. 

 

Never Worry About Money Again:

 

Featured Calls:

  • Is college worth it?
  • My parents are pressuring me to buy a new car.
  • How can I pay off debt while going to college then law school?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 19, 2018

Dave starts the show giving practical advice to an HVAC installer who is managing a small business that's sinking: "All money's not good money." — Dave 

Special Guest:
 TV personality Mike Rowe calls the show to chat with Dave about the art of storytelling. "It's tough to beat 'Once Upon A Time' and a campfire." 

Debt-Free Scream: A couple from Georgia calls the show to share how they paid off $91,000 in just a year: "He called me at work and told me to pick him up because he just sold my car. That's when I knew he was serious!"  

 

You CAN Become a Millionaire:

  • Preorder our new book Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

 

Featured Calls:

  • My profit margin is sinking me. What am I doing wrong?
  • How can I make money working from home?
  • When should we pay off our HELOC?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 18, 2018

Dave answers questions from across America on how to get out of debt with the Baby Steps, workers' comp, and real estate investing. Debt-Free Scream: A couple in New Jersey calls the show to share how they paid off over $64,000 in just 18 months after going through Financial Peace University: "We had our 'Wine and Cheese' monthly budget meeting." 

 

We Make it Easy. You Make it Fun:

  • Create your first budget in just 10 minutes with EveryDollar

 

Featured Calls:

  • What's the best way for me to prepare for a strike?
  • Which debt should I pay off first?
  • Is it okay to have half of our net worth wrapped up in our home?
  • I'm $23,000 upside down on my wife's car.

 

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

 

Sep 18, 2018

Dave answers questions from across America on paying cash for college, investing for teenagers, annuities and Roth IRAs. Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to chat about facts versus feelings when it comes to becoming a self-made millionaire: "It's not about how much you make . . . we've got to get over this mind-set that everything's against us and that we don't have an opportunity."  Chris Hogan

 

Learn How to Become a Millionaire:

  • Preorder our new book, Everyday Millionairesbased on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

 

Featured Calls:

  • I'm not sure how to go to school debt-free.
  • Should I put my ex-husband's life insurance payout in an annuity?
  • How can we grow a farm without going into debt?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned in This Episode:

  • Create a monthly budget in just 10 minutes so you can achieve your money goals with EveryDollar.
  • For help with your retirement, college savings or other investments, talk with a SmartVestor Pro.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 18, 2018

Dave answers questions from across America on buying your first home, getting out of debt, and how to get your spouse on board with money. If you're feeling overwhelmed by debt, this episode can help you make a plan for your money and become debt-free so you can live more and worry less!

 

Get Out of Debt:

  • Learn the simple 7-step plan to get out of debt. Read The Total Money Makeover.
  • You CAN win with money and we can show you how at a Smart Money event near you.
  • Create a monthly budget in just 10 minutes so you can achieve your money goals with EveryDollar.

 

Featured Calls:

  • How can I get my wife to be on the same page?
  • Should we use our individual investment account to pay off debt?
  • How can I pay off all the debt I have?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 17, 2018

Dave answers questions from across America on investing while in debt, paying off HELOCs, and how much to keep in an emergency savings fund. Debt-Free Scream: A family from Missouri visits the show to share how it feels to be after paying off their mortgage in just over 2 years: "It just feels like a weight has been lifted off. We don't owe anybody anything!" Dave discusses the new legislation that allows you to freeze your credit: "It's a partial block against some types of fraud." 

 

Learn How You CAN Win With Money:

 

Featured Calls:

  • How much should we invest in our 401(k) while we're paying down debt?
  • When should we pay off our HELOC?
  • Should I use my savings to pay off my mortgage?
  • Is freezing your credit a good idea?

 

Special Offer: Get your step‑by‑step plan to get rid of your debt and become a millionaire with the Everyday Millionaires + The Total Money Makeover audio bundle.

 

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 17, 2018

Dave answers questions from across America on tax audits, overcoming a sense of entitlement, and how to teach kids about money. TWO Debt-Free Screams:  First a couple in Arizona calls the show to share how they paid off $64,112 in just 14 months using the EveryDollar budgeting tool. Later in the show a couple—also from Arizona—visits the studio to share their debt-free journey: "We got into the budget and discovered how much money we had left over and what we could do with it." 

TOUCHDOWN: Dave shares a story about the greatest honor of his day that happened in the lobby of Ramsey Solutions during a commercial break.

 

Take Control of Your Money:

 

Featured Calls:

  • How should I handle a tax audit?
  • How can I stay motivated to pay off debt?
  • What should I teach my 8 year old to do with the $500 he earned over the summer?

  

Also Mentioned in This Episode:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 17, 2018

Dave opens this episode with heartfelt comments about those in the Carolinas affected by Hurricane Florence. Mini DAVE RANT: "Get you some money!" Dave answers questions from across America on giving advice to parents, relocating, and paying off debt. Debt-Free Scream: A university professor from Kentucky shares her story of paying off $88,764 in just nine months using the envelope system: "When money is under control it makes other decisions peaceful."  

 

Get Your Money Under Control:

  • Spend less money by managing your cash with an envelope system.
  • EveryDollar helps you create a monthly budget so you can go beyond doing "okay" and achieve your money goals.

 

Featured Calls:

  • I'm scared that my parents aren't going to have any money for retirement.
  • Should we move to be closer to family?
  • Can I pay off all my debt in seven months?

 

Also Mentioned in This Episode:

  • Find a qualified investing professional near you. Talk to a SmartVestor Pro.
  • Get out of debt with Financial Peace University.
  • Learn how to make smart decisions now to help you live your retirement dreams. Read Retire Inspired.
  • Get your step‑by‑step plan to get rid of your debt and become a millionaire with the Everyday Millionaires + The Total Money Makeover audio bundle.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 14, 2018

Dave answers questions from across America on when to buy a house, real estate, student loan consolidation, and investing. Debt-Free Scream: A couple from Missouri visits the show to share how they paid off $75,000 in three years: "I budget everything. I'm a big budgeter."

 

Budgeting Just Got Easy with EveryDollar:

  • EveryDollar helps you create a monthly budget so you can go beyond doing "okay" and achieve your money goals.

 

Featured Calls:

  • Should we buy a house right after we get married?
  • Is it okay to consolidate my student loans?
  • Do I need to stop investing to pay off my debt?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 14, 2018

This episode opens with a classic DAVE RANT: "You've met well-educated stupid people before, haven't you?" Dave answers questions from across America on saving for a house, how to diffuse tension in awkward conversations, and the best way to manage your money when you're hopelessly in debt. You CAN win with money, and Dave will tell you how. In this episode, listen to a simple step-by-step plan to get out of debt, build wealth and change your family tree forever!

 

Help People Change Their Family Tree:

 

Featured Calls:

  • Are we saving enough for a house?
  • How should I ask my stepdad about my mom's will?
  • What do I do when American Express keeps asking for access to my checking account?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 14, 2018

Dave answers questions from across America on charities, insurance, 401(k) investing and social security. Struggling to find motivation to pay off debt? In this episode Dave gives tangible ideas to help you get back on track!

 

Get a step‑by‑step plan to get rid of your debt and become a millionaire:

  

Featured Calls:

  • How can you know if a charity is corrupt?
  • When should I start getting social security?
  • Should I renew my life insurance policy?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 13, 2018

Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to interview everyday millionaires across America to discover how they did it!

 

Everyday Millionaires:

  • Age 48 from Houston, TX ($1.6MM): "It's all there from investing and saving in 401(K)s and IRAs."
  • Age 54 from Cincinnati, OH ($1.1MM): "I enlisted in the Air Force in 1982, and I was making around $20,000." 
  • Age 58 from South Bend, Indiana ($1.2MM): "It doesn't matter what environment you're raised in. You take advantage of what you've got, and you take it and you run with it."
  • Ages 38 and 40 from Seattle, Washington ($1.06MM): "She's a stay-at-home mom." 
  • Ages 47 and 50 and from Seattle, Washington ($1.2MM): "Now that we're more intentional with our money it's a lot more fun to give."
  • Ages 42 and 45 from Richmond, Virginia ($2.7MM): "My advice is: don't fall into credit card debt." 

 

Want to Hear More From Chris Hogan? 

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

Sep 13, 2018

Dave answers questions from across America on recovering financially after addiction, owning a small business, and expense-to-income ratios. Special guest Max Lucado joins Dave on air to discuss the power of Hope. Debt-Free Scream: A couple from Indiana visits the show to share what motivated them to pay off over $105,055 in less than three years: "One day I just started adding up everything we owe, and it takes your breath away." 

 

Feel Like You Got a Raise:

  • EveryDollar helps you create a monthly budget so you can achieve your money goals.

 

Featured Calls:

  • I feel like I got the wind kicked out of me, and I'm ready to take control of my money.
  • What's the best way to buy a business?
  • When can I buy an extra beater car to work on?

 

Mentioned in This Episode:

  

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below: 

Sep 13, 2018

Dave answers questions from across America on verbal contracts, tithing, handling an inheritance, and FEMA loans. Debt-Free Scream: A BIG family from Iowa visits the show to share how they worked together to pay off $140,000 in just seven months: "We went dumpster diving! That's another crazy thing we did." 

 

Get a step‑by‑step plan to get rid of your debt and become a millionaire:

 

Featured Calls:

  • We have a verbal contract to pay my mom $70,000, but my husband doesn't like being in debt to her.
  • I feel stuck between my commitment to my church and my need to get my finances in order.
  • Should we roll our mortgage into our FEMA loan?

 

Mentioned in This Episode:

  

Listen and Watch
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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

https://www.daveramsey.com/show/app

 

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Sep 12, 2018

Dave answers questions from across America on when to buy or sell a house, when to get out of a car lease, cashing out retirement funds, and estate planning. Is the paycheck-to-paycheck life leaving you feeling panicked and insecure? Taking control of your money is easier than you think, and this episode will show you how to live smarter!

 

Decide to Live Smarter:

  • You CAN take control of your money, and we'll show you how at Smart Money.

 

Featured Calls:

  • Should we sell our house if we think it might have structural problems in the future?
  • Should I cash out my TSP to pay off my house?
  • How do I get out of my car lease?
  • Can I cash out my wife's 401(k) to start a business?

 

Dave Also Mentioned:

 

Listen and Watch

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The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below:

Sep 12, 2018

This episode begins with a classic DAVE RANT on the lottery: "Oh, here's a great idea, let's have a whole bunch of poor people send middle income and rich people's kids to school for free." Also, Dave answers questions from across America on diamond engagement rings, paying cash for a wedding, and selling your car to get out of debt fast! Debt-Free Scream: A couple from Alabama shares how they became debt-free after joining a Financial Peace University group.  

 

Help People Win With Money:

 

Featured Calls:

  • Can I buy an engagement ring with severance money?
  • Should we cash out a Roth IRA to pay for a wedding?
  • Should I sell my cars to get out of debt?
  • Is a swimming pool a good investment?

 

Mentioned in This Episode:

  • Get out of debt with Financial Peace University.
  • When buying or selling a house, you want an ELP agent who understands your financial journey and helps you get the best deal.
  • ELP Tax Pros know the tax code inside and out—which means fewer mistakes and more money in your pocket.

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below:

Sep 12, 2018

Dave answers questions from across America on hiring a CFO for a small business, saving money, and how to pay a tax bill off. Also, Dave gives insight on four danger zones in marriage that cause problems. This episode will teach you how to stop the fights and get on the same page!

 

Learn How to Handle Money Together:

 

Featured Calls:

  • Should I pay off my fiancee's car?
  • When is the company big enough to hire an accountant?
  • Is it a good idea to take out a loan to pay off an IRS bill?

 

Dave Also Mentioned:

 

Listen and Watch

Anytime, Anywhere.

The Dave Ramsey Show app lets you download episodes for offline playback, customize your content, and see what’s coming up!

 

Using Google Play? Find Links Below:

Sep 11, 2018

Dave answers questions from across America on when to pay off a car, investing, budgeting on an irregular income, and how to choose a good career. Debt-Free Scream: A nurse in Florida calls the show to share how she paid off $65,000: "It was a lot of sacrifice, but I'm so grateful to be done." Stop believing the lies and discover the truth: you CAN become a millionaire, and this episode will tell you how!

 

You Can Become a Millionaire:

 

Featured Calls:

  • Is it smarter to put more money in savings or pay off our car?
  • I'm not sure how to budget on an irregular income?
  • My wife needs to quit her job, but we can't afford it.
  • Will my son's college degree enable him to pay the bills when he graduates?
  • I don't feel right about using my fiancee's inheritance to pay off my student loan debt when we marry.

 

Also Mentioned on the Show:

  

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Sep 11, 2018

Dave answers questions from across America on how to rediscover your purpose in life, relocating, and investing in ROTH IRAs. Debt-Free Scream: A couple from California visits the show to share what motivated them to pay off $100,178 in just 10 months: "We knew it was bad, but we didn't think it was that bad." If life is hard and you're feeling discouraged, this episode will help you find hope and a plan for your future.

 

Get Out of Debt:

 

Featured Calls:

  • I messed up. Now I'm not sure how to move forward and clean up $300,000 in debt.
  • We are relocating. Should we keep the house and use it as a rental?
  • Can I fund a 457(b) plan and a Roth IRA at the same time?
  • I just got out of debt, then everything went wrong!

 

Also Mentioned on the Show:

  • Business Boutique will help you get your business idea off the ground or take your existing business to the next level!

  

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Sep 11, 2018

Dave answers questions from across America on setting boundaries with family members who ask for money, how to get out of debt with the Baby Steps, the best way to pick investments, and how to bring in more money. If you're sick and tired of being broke, this episode can help you take control of your finances.

 

Get Out of Debt:

 

Featured Calls:

  • My mom is asking us to pay half of her rent or buy a house with her. Is it okay to say no?
  • We are newlyweds with nearly $1 million in debt. How do we get out without declaring bankruptcy?
  • Should we keep contributing to our IRAs in order to get the match, even though we are still paying off debt?
  • Is student loan forgiveness tax deductible?

 

Also Mentioned on the Show:

  

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Sep 10, 2018

Dave answers questions from across America on how to build wealth, retirement, and cashing out your pension. Ramsey Personality Rachel Cruze joins Dave in studio to discuss how to dream with your spouse and find a renewed vision for your relationship. Debt-Free Scream: A young family from Utah visits the show to share how they paid off their house: "For six years, we had one car in our marriage—we have two kids—and I rode my bike to work every day.

 

Build Wealth and Prepare for Retirement: 

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

 

How to Find Rachel Cruze:

 

Featured Calls:

  • Can I afford to build a retirement home?
  • Should I stay in Korea with my girlfriend or move back home to pay off debt?
  • Is it smart to cash out a pension to pay off debt?

 

Also Mentioned on the Show:

 

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Sep 10, 2018

Dave answers questions from across America on paying off debt and how long it takes to become a millionaire. Debt-Free Scream: A couple in Florida calls the show to share how they paid off over $104,000 in just over two years: "We were looking real nice but we were riding upside down, so we got rid of our truck and our van." 

 

Good News! You Can Get Out of Debt Regardless of Age or Income: 

 

Featured Calls:

  • What's the best way to get out of debt?
  • Should I sell my empty rental property?
  • Will I be a millionaire in 12 years?
  • Is it OK to take a honeymoon while we have debt?

 

Also Mentioned on the Show:

  

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Sep 10, 2018

Dave answers questions from across America on HSAs, term life insurance, choosing the right career path, and living life debt-free. Dave coaches a man in Florida who thinks his only option to financial freedom is declaring bankruptcy. Listen as Dave explains why a lot of his debt isn't eligible for bankruptcy, and gives him a clear path to take control of his money.

 

Make Money Doing What You Love: 

The FREE Business Boutique Workshop shows you how to have a business that allows you to make money and make time for what matters most to you!

 

Featured Calls:

  • We're expecting twins. Should we put our emergency fund into our HSA?
  • Is group term life insurance a scam?
  • Should I go back to school or keep working as a bartender?
  • Is it OK to take out a mortgage on a lake house?

 

Also Mentioned on the Show:

  

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Sep 7, 2018

Dave answers questions from across America on MLMs, when to pay off your home mortgage, solar panels, and auto insurance and car leases. Debt-Free Scream: A couple from West Virginia visits the show to share how they paid off $105,000 in less than 2 years!

 

You CAN Win With Money:

 

Featured Calls:

  • How do I know if the MLM I'm considering is a scam or a legitimate company?
  • Should I invest first or pay off the mortgage?
  • Is a power-purchase agreement for solar panels a good idea?
  • Do I need uninsured motorist insurance?
  • Should I finance a mortgage for my granddaughter?

 

Also Mentioned on the Show:

 

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Sep 7, 2018

Dave answers questions from across America on how to make money in real estate, sinking funds, interest rates for 529s and how to get out from under a huge pile of debt. Debt-Free Scream: A couple in Texas calls the show to share how they paid off $53,000 in just 17 months using the EveryDollar budgeting tool together!

 

The Easy Way to Budget Sinking Funds:

  • Create your budget in just 10 minutes with EveryDollar!

 

Featured Calls:

  • Are VA home loans a good idea for disabled veterans?
  • How much interest should we be getting on our 529s?
  • How do I get started paying off $372K in debt?
  • What should I do with my military TSP?

 

Also Mentioned on the Show:

  

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Sep 7, 2018

Dave answers questions from across America on wills and estates, the best way to pay off credit cards, and best practices for investing money. Debt-Free Scream: A family of six from Utah visits the show to share how they paid off over $499,000: "For 10 years we followed your plan to a 'T.' We were broke . . . and following your plan, became millionaires."  Dave talks about the new 2018 tax laws.

 

Blow Up Your Debt:

 

Featured Calls:

  • Can my mom sell a property without her name on the deed?
  • Should we put our inheritance toward college savings or pay down our mortgage?
  • We can't afford the minimum payments on our credit cards. 

 

Also Mentioned on the Show:

  

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Sep 6, 2018

Dave answers questions from across America on bankruptcy, the bond market vs. the stock market, and how to set family boundaries. Debt-Free Scream: A couple from Florida visits the show to share what motivated them to pay off $346,000.

 

Take Control of Your Money:

 

Featured Calls:

  • Should I file bankruptcy?
  • Is it okay to pay for a class while pausing Baby Step 2 to save for a baby?

 

Also Mentioned on the Show:

  

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Sep 6, 2018

Dave answers questions from across America on investing for retirement, stocks, back-door ROTHs, and the fastest way to build wealth. Debt-Free Scream: A couple in Texas calls the show to share how they paid off $68,000 in just 18 months! Dave encourages a mom to use her money to go on a family vacation after a heart-breaking season of life. 

 

Build Wealth and Prepare for Retirement: 

 

Featured Calls:

  • Why do you recommend putting 15% of your income into retirement?
  • Should we sell our company stock to pay off debt?
  • Is it smart to sell our car to pay for a new deck?
  • Can we use our savings to take a vacation?

 

Also Mentioned on the Show:

  

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Sep 6, 2018

"Really, what great parenting and great relationships are about is getting the big stuff right. And just let the other stuff that we all worry about go." — Dr. Meg Meeker

 

Dave answers questions from across America on your life and your money! Parenting expert Meg Meeker and Ramsey Personality Anthony ONeal join Dave in studio to chat about ways to help parents connect with their kids. 

 

Decide to Parent Smarter:

 

Featured Calls:

  • How can I set boundaries with my mother-in-law who wants to visit our new baby too often?
  • Is it the parent's or child's responsibility to pay off student loans?
  • How can I help my 12-year-old son start a business?
  • What can I do to help my parents with their retirement savings?

 

More from Meg Meeker: 

 

Also Mentioned on the Show:

 

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Sep 5, 2018

 

Dave answers questions from across America about the fastest way to pay off debt, how to plan for marriage financially and investing. Christy Wright joins Dave in studio to talk about how to simplify your marketing plan for a new business idea.

 

Get Support and Inspiration for Your Small Business:

 

Calls This Episode:

  • I'm getting the run-around from an insurance agency after I cancelled the policy.
  • Should I go back to work or take disability?
  • Can I use my retirement funds to pay off my car loans?
  • How do I prepare to pay off my fiancee's debt when we get married?
  • What are my best investment options in the U.S.?

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

  

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Sep 5, 2018

Dave answers questions from across America on upside-down cars, interest rates, bad financial advice and California real estate. Debt-Free Scream: A newlywed couple from Texas visits the show to share how they paid off over $27,000 in just seven months after learning about Dave Ramsey in high school! 

 

Teach Students Wise Money Habits Early:

 

Calls This Episode:

  • I want to get rid of my car payment, but my advisor says focus on higher-interest loans first.
  • Is it OK to get a house if we can't get a 15-year fixed mortgage?
  • We have a loan with 149% interest and I don't know how to get it paid off.
  • Should we use our HSA to pay for IVF treatments?
  • Should I sell my truck?

 

Also Mentioned on the Show:

  

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Sep 5, 2018

Dave answers questions from across America on debt, career changes and handling life insurance payouts. Learn how you can protect your family by making a solid financial plan and getting a will in place, so your loved ones don't have to worry about money if the unexpected happens.

 

Develop a Financial Plan:

 

Calls This Episode:

  • What's the best way for me to pay off my debt?
  • Should I switch jobs?
  • My wife died suddenly; how do I handle my wife's life insurance policy?
  • I'm helping my mom deal with a Chapter 13 bankruptcy and we can't make the payments.
  • I'm destroying my car's value with mileage for my job.

 

Also Mentioned on the Show:

  

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Sep 4, 2018

Dave answers questions from across America about student loan forgiveness programs, IRAs and 401(k)s, how make money fast when you're broke, budgeting on an irregular income, and how to sell an upside down car. 

 

Tackle Your Debt Problem:

 

Calls this Episode:

  • What is your opinion on loan forgiveness programs?
  • My parents want me to take out more student loans, but that doesn't make sense to me!
  • How do you get started budgeting on an irregular income if you don't have an income history?
  • I want to get out of my car lease so I can save more money.

 

Also Mentioned on the Show:

 

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Sep 4, 2018

Dave answers questions from across America on saving for college, mutual funds, car loans and annuities. Debt-Free Scream: A couple from Michigan visits the show to share how they paid off $152,000 in less than 4 years! Dave explains how to give teenagers space to make money mistakes as you teach them how to manage finances.

 

Get Help With Your Investments:

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

 

Calls this Episode:

  • Should we pause paying off debts while I'm pregnant?
  • Is it better to use a 529 plan or mutual funds to pay for college?
  • How can I get out of debt?
  • I took out a 457(b) loan!
  • Should I finance a car for my business?
  • What's the best way to set up an annuity?
  • How do I teach my daughter about money?

 

Also Mentioned on the Show:

  

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Sep 4, 2018

Dave answers questions from across America about trust funds, fixed interest rates, and dealing with defaulted credit cards. Debt-Free Scream: A determined single mom from Missouri visits the show to share how it feels to pay off $35,7000 in just 17 months: "If I did this with my finances, what else can I do? The world is literally at my fingertips!"  

 

Get out of Debt:

 

Today's Calls:

  • What questions should I ask about a trust fund my wife inherited?
  • Should I sell my house or get a part time job to get out of debt?
  • Is it a good idea to take out a personal loan at a lower interest rate to pay off my student loan?
  • How do we handle a lawsuit on defaulted credit cards?

 

Also Mentioned on the Show:

  

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Sep 3, 2018

Dave answers questions from across America about your life and your money. Featured call: A new budgeter in California needs help calculating how much money he'll have left over each month to throw at debt. Listen as Dave coaches him to calculate his living expenses to make a smart plan for his monthly income. Debt-Free Scream: A couple from Wisconsin visits the show to share how they paid off $68,000 in just two years after going through Financial Peace UniversityTwitter: Dave responds to a question on twitter about 529 college savings plans. Follow @DaveRamsey on Twitter to post your own question for Dave!

  

Also Mentioned on the Show:

  

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Sep 3, 2018

Dave answers questions from across America about your life and your money. Twitter: Dave responds to a question on Twitter asking how to calculate how long it will take to get out of debt. Follow @DaveRamsey on Twitter to post your own question for Dave! Featured call: A healthcare educator in Minnesota calls Dave to thank him because they were able to withstand an unexpected job loss after paying off $97,000 in debt: "If you had asked me a week ago I would have told you I have he most secure job there is . . . I've got a 2-year-old and a 1-year-old and a wife at home, and we would all be terrified, but we're going to be okay."

  

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Sep 3, 2018

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 discuss the largest study of millionaires ever done. The research reveals specific steps anyone can take to stop living paycheck to paycheck and build extraordinary wealth. "We want to help you get unstuck by getting on a plan that actually works." — Chris Hogan

 

Want to Hear More From Chris Hogan? 

  

Also Mentioned on the Show:

  

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Aug 31, 2018

Dave answers questions from across America about your life and your money. Debt-Free Scream: A family from Iowa visits the show to share how they paid off $80,000. Special Guest: Retirement expert Chris Hogan joins Dave in studio to discuss a millionaire study that destroys money myths that say the American Dream is dead.

 

Discover the Truth. You CAN Become a Millionaire:

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

  

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Aug 31, 2018

Dave answers questions from across America about your life and your money. Debt-Free Scream: A "weird" family in Oklahoma visits the show to share how they paid off their mortgage!

 

Be Weird. Budget With EveryDollar: 

  • Create your first budget in just 10 minutes with EveryDollar!

  

Also Mentioned on the Show:

 

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Aug 31, 2018

Retirement expert Chris Hogan answers questions from across America about your life and your money. Featured call: A Marine in North Carolina wants to know if it's a smart idea to cash out a 401(k) to pay down debt. Listen as Chris explains the best way to attack debt and build wealth. 

 

Get Out of Debt:

 

Want to Hear More From Chris Hogan? 

  

Also Mentioned on the Show:

 

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Aug 30, 2018

Dave answers questions from across America about your life and your money. If you're ready to help people change their lives and leave a lasting legacy for their family, leading a Financial Peace University group is fun and easy. Become a FPU Coordinator today to have a front-row seat as people start taking control of their finances! You don't have to be out of debt, and you don't have to have a finance degree. You just need to be available to cheer people on as they start their debt-free journey!

   

Also Mentioned on the Show:

 

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Aug 30, 2018

Dave answers questions from across America about your life and your money. The key to taking control of your finances is budgeting. Know exactly what you're bringing in and what you're spending so you can start telling your money what to do! 

  

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Aug 30, 2018

Dave answers questions from across America about your life and your money. Debt-Free Scream: A newlywed couple from Colorado calls the show to share how they paid off over $74,000 in 13 months! Dave Rant: "Crap—4th grade math will get you out of debt . . . how hard is this?!" 

  

Also Mentioned on the Show:

  

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Aug 29, 2018

Dave answers questions from across America about your life and your money. 

  

Also Mentioned on the Show:

  

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Aug 29, 2018

Dave answers questions from across America about your life and your money. Featured call: A caller from St. Louis tells Dave he thinks he can by-pass the proven "Debt Snowball" method by paying off his higher interest loans first. Listen as Dave explains why it's pointless to try to cheat the steps: "The power of focus far supersedes whatever forced discipline that you can create there." Debt-Free Scream: A family from Kentucky visits the show to share what motivated them to start their debt-free journey: "We had these payments piled up on the table and we had a whole lot of payments left at the end of our paychecks on a monthly basis. It was just an overwhelming fear of 'How am I going to be able to support my family?'"   

 

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Aug 29, 2018

Dave answers questions from across America about your life and your money. Featured call: A homeschool dad in Chicago has two brand-new high school graduates and wants advice on how to pay cash for college. Listen as Dave gives personal insight on how he paid for school and what you can do to build character and get a debt-free education: "The goal here is: be SMART people. The goal is not the college experience." Everyday Millionaire: Dave interviews a veteran from North Carolina who "got rich slowly" by living on less than he made and saving! Debt-Free Scream: A couple in Wisconsin calls the show to share how they paid off $30,000 in just one year and yell, "We're DEBT-FREE!"  

  

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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!

  

Also Mentioned on the Show:

  

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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.

 

Also Mentioned on the Show:

  

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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?

 

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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? 

 

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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?

 

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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?

 

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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: 

  

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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?

  

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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?

  

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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?

  

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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?

  

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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?

  

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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?

  

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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?

  

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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?

  

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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.

  

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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?

  

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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?

  

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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?

  

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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? 

 

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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?

  

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Aug 16, 2018

"You have to stop saying what you FEEL like and say what you're going to do." — Anthony

 

Ramsey Personalities Chris Hogan and Anthony ONeal answer questions from across America about your life and your money and respond to an Instagram post from a woman who feels like she'll never be able to get all of her credit card debt paid off. Follow Dave Ramsey on Instagram to post your own question! Featured call: I financed a mattress. Should I pay half of it off before I save my full emergency fund? Listen as Chris coaches him to take responsibility for his debt: "Is that mattress comfortable?!"  Shout Out: Chris and Anthony remember Aretha Franklin. 

 

Calls this Episode:

  • Should I take a semester off school to pay down my student loans? 
  • Is it better for me to use half of my bonus check to pay off a mattress I financed?
  • We have $90,000 in debt, only make $54,000, and can't stay motivated.
  • How should my mom invest the money she made off a home sale?
  • Should I roll my 403(b) over to a Roth IRA?
  • Are mutual funds or IRAs a better investment?

 

Want to Hear More From Chris Hogan? 

  

Want to Hear More From Anthony ONeal? 

 

Also Mentioned on the Show:

 

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Aug 16, 2018

"I've been buying diamonds for Sharon for 35 years, and they have yet to go up in value." — Dave

 

Dave answers questions from across America about your life and your money. Dave on Social: Dave responds to a Twitter post about bank overdrafts. Follow @DaveRamsey on Twitter to leave your own question for Dave. Featured call: A young man in Nebraska asks if he should wait until he's paid off all his debt before he buys a ring for his fiancée. Listen as Dave gives common sense advice on how to choose a ring and how much to spend.

 

Calls this Episode:

  • I need help understanding PMI percentages. 
  • What's the first step in combining finances when I get married?
  • Should I switch from a traditional 401(k) to a Roth IRA?
  • What's the quickest way to get out of debt without using my savings?
  • How do I choose which mutual fund company to go with?
  • Can I save for an engagement ring while paying off debt?

  

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Aug 15, 2018

Ramsey Personalities Ken Coleman and Christy Wright answer questions across America about career and business. Featured call: A teacher wants to start a business that will enable him to hire his graduating students but doesn't know where to start. Listen as Christy gives him practical advice on what steps to take toward a solid business plan.

 

Calls this Episode:

  • My husband feels stuck in his job of 12 years. What should he do to get hired at another company?
  • How do I recover after a failed business attempt?
  • My wife used credit cards to start a business and it's not profitable.
  • What's the best way to start a business?
  • I think I made a mistake quitting my job to go into business with my father.
  • What questions should I ask during an interview?

 

Want to Hear More From Ken Coleman? 

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

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Aug 15, 2018

"Anyone can win. There's an element of taking personal responsibility . . . " — Dave

 

Dave answers questions from across America about your life and your money. Retirement expert Chris Hogan and Dave chat about what it's like to live paycheck to paycheck and how anyone can turn it around and become a millionaire: "Debt is a thief. It steals from your now, but it also steals from your later." — Chris Hogan

 

Calls this Episode:

  • A homeless man calls Dave to thank him for giving him HOPE.
  • I'm losing my job. Should I start a business?
  • Should I pay down my wife's student loan debt?
  • Are prepaid debit cards a smart tool for kids?
  • What's the best way to pay off the house early?
  • How can I get my job application noticed?

  

Also Mentioned on the Show:

 

Want to Hear More From Chris Hogan? 

 

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Aug 15, 2018

"Student loan debt is not bankrupt-able." — Dave

 

Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A young lady in Texas is barely making it on only $19,000 and is overwhelmed by the amount of debt she has. Dave gives specific advice on how to take control of her situation without declaring bankruptcy: "You really don't have a debt problem. You have an income problem." Social Media: Dave is asked whether he gets tired of asking the same questions over and over. Listen to his honest reply and visit Dave's Facebook page to leave your own question for Dave.

 

Calls this Episode:

  • Should I declare bankruptcy?
  • How do I handle suing my ex for being in contempt of court?
  • What should I do with an insurance settlement?
  • Should I pay off my rental property or sell it?
  • Is investing in a franchise a smart idea?

  

Also Mentioned on the Show:

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Aug 14, 2018

"If you don't like what the contract says, the suggestion is—as an adult—you shouldn't sign it." — Dave

 

Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A guy in Texas is upset with his insurance broker for the policy he chose. Dave cuts to the chase to explain that the policy isn't the problem! Listen to his advice on how to avoid the confusion in the future. DEBT-FREE SCREAM: A couple from Ohio visits the studio to share how they saved their marriage and paid off their mortgage. 

 

Calls this Episode:

  • What size house should we buy?
  • Can I get my insurance company to give me more money for my roof?
  • Is it wise to invest my disability income?
  • Should I cash out my IRA to pay off credit cards?
  • Is $35,000 too much money to spend on a new car?
  • How can we afford to pay my mother-in-law back for my wife's student loans when we have other debt?

  

Also Mentioned on the Show:

 

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Aug 14, 2018

 

"If you don't have a will then the state gets to make decisions for you." — Chris Hogan

 

Retirement expert Chris Hogan answers questions from across America about your life and your money. Featured call: A young dad asks Chris who he should give copies of his will to. Listen to Chris explain the best way to secure important legal documents. This call leads to a CHRIS RANT about protecting yourself and your family by getting a will. Chris explains what a FICO score really is and why you don't need one!

 

Want to Hear More From Chris Hogan? 

 

Calls this Episode:

  • What should I do with the money I get when I sell two homes? 
  • How do I store my will and legacy documents?
  • Should I build my credit with Self Lender so I can buy a mobile home?
  • What can I do with extra college scholarship money?
  • How should I handle my 457(b) investment?
  • What's the best way to balance time with family and taking on extra jobs to get out of debt?

  

Also Mentioned on the Show:

 

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Aug 14, 2018

"The word 'deferment,' y'all—all you're doing is delaying the inevitable." — Chris Hogan

 

Ramsey Personalities Chris Hogan and Anthony ONeal answer questions about your life and your money. Featured call: A man with over $200,000 in student loans asks if it's okay to start investing for retirement before paying off the debt. Chris and Anthony discuss the best way to attack loans and why you shouldn't keep putting it off with student loan deferment.

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Anthony ONeal? 

 

Calls this Episode:

  • Should we pay off our student loans before saving for retirement?
  • What should I do with the $125K I've saved?
  • Is it wise for us to sell our house and downsize?
  • How do I start over financially as a single mom?
  • What's the best way to pay my bills on a tight budget?
  • Should I take out a loan for nursing school?

  

Also Mentioned on the Show:

 

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Aug 13, 2018

"You're going to be the most successful when you start with what you have." — Christy

 

Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Business Boutique creator Christy Wright joins Chris in the studio. Featured Call: An entrepreneur asks Christy for help deciding how big or small to launch her business. Listen as Christy encourages her to start with building trust by getting experience wherever she can: "Starting out, get your core program going and that will help you learn the market." — Christy

 

Calls This Episode:

  • How should I start attacking my debt?
  • Who is the best market for my business?
  • Should I sell my car?
  • Which side business should I invest my time in?
  • Do I need long-term disability insurance?
  • Should I grow my sales business or become a sales rep for a national company?
  • Can I cash out an inherited IRA to pay off student loans?

 

Want to Hear More From Chris Hogan? 

 

Want to Hear More From Christy Wright? 

 

Also Mentioned on the Show:

 

Thanks for listening!

 

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Aug 13, 2018

"She tells me she can't find her scissors. I think she's lying to me. We're going to deal with it." — Chris

 

Retirement expert and Ramsey Personality Chris Hogan takes calls from across America about your life and your money. Featured Call: A woman calls Chris with a mortgage question, then admits she still has credit cards. Listen as Chris coaches her to overcome her fear of cutting up her credit cards: "We've got to remove this false sense of security they're giving you . . . when we think different, we can start doing some things differently." 

 

Calls This Episode:

  • When do I pay my deferred mortgage principal?
  • Should I move my TSP to a Roth?
  • What should we do about the inflated housing market?
  • Should I be saving to pay off my mom's debts?
  • Is it better for us to buy a smaller house or rent?
  • What should I do if I can't afford my car?
  • Is it okay to take out a mortgage on a house we can't afford to pay cash for?

 

Want to Hear More From Chris Hogan? 

  • Listen to The Chris Hogan Show.
  • Read Retire Inspired: It's Not An Age; It's a Financial Number
  • Attend the Smart Money event to see Chris in person.
  • You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.   

 

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Aug 13, 2018

"If you are in agreement on these 4 areas, you have a very high probability of a successful marriage." — Dave

 

Dave opens this episode with a call from someone who has been dating a new guy for a month and wants to know when to bring up money and debt. Listen as Dave explains when and how you should discuss money and 3 other key areas before getting engaged: "If it's serious enough to talk about whether you'd have kids when getting married, it's serious enough to talk about money." — Dave Retirement expert Chris Hogan joins Dave in studio to chat about the lies people believe about what it takes to become a millionaire. DEBT-FREE SCREAM: A family in Washington calls the show to share how they paid off $92,000 in just over 2 years: "It's absolutely crucial that both parties are on board and you talk through the good and the bad, knowing that it's not going to be perfect right out the gate."

 

Calls This Episode:

  • When do I bring up finances with the guy I'm dating?
  • How much life insurance do I need?
  • Should I stay on the income-based repayment for my student loans?
  • Should I sell both vehicles and upgrade to a better truck?

 

Want to Hear More From Chris Hogan? 

 

Also Mentioned on the Show:

 

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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:

 

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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:

 

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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?

 

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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:

 

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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!

 

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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:

 

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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? 

 

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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:

 

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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:

 

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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? 

 

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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!

 

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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!

 

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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!

 

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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!

 

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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!

 

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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:

 

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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!

 

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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!

 

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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!

 

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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!

 

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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!

 

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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!

 

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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!

 

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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!

 

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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:

 

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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:

 

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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!

 

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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!

 

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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!

 

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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:

 

Jul 19, 2018

During the first half of this episode, NY Times bestselling author Dr. Henry Cloud joins Dave in studio to talk about finding peace in relationships.

"Stop doing the crazy thing of depending on the crazy person to not be crazy." — Dr. Henry Cloud

 

Dave spends the second half of this hour taking calls and answering questions from listeners across America:

  • What's the best plan to pay off my home mortgage?
  • Should business assets be included in personal net worth?
  • Is it smart to convert my TSP accounts to Roth?
  • Should we use our kids' savings?
  • Can I switch to a lower paying job while in debt?
  • Is a HELOC a good idea to pay off student loans?

 

Want to Hear More From Dr. Henry Cloud? 

  • Read Boundaries: When to Say Yes How to Say No to Take Control of Your Life
  • See Henry Cloud speak at the Smart ConferenceOne day can change everything.

 

Also Mentioned on the Show:

 

 

Jul 18, 2018

Listen to Ken Coleman and America's leading voice on retirement— Chris Hogan—host this episode of The Dave Ramsey Show.

 

 

"There's fear and pride that become roadblocks to saying, 'I.Need.Help.'" — Ken Coleman

 

 

Find Hope and a Plan for Your Future:

 

 

More From Ken Coleman:

 

 

More From Chris Hogan: 

 

 

Also Mentioned on the Show:

 

 

Thanks for Listening!

Jul 18, 2018

Listen to America's leading voice on retirement—Chris Hogan—as he hosts this episode of The Dave Ramsey Show.

 

 

"Let's learn to do math. Let's be aware." — Chris Hogan 

 

 

Learn How to Ditch Debt and Save Cash for Your Next Car:

 

 

More From Chris Hogan: 

 

 

Also Mentioned on the Show:

 

 

Thanks for Listening!

Jul 18, 2018

"I don't do control freaks at all. I have a low tolerance for them." — Dave

 

 

Learn to Cut the Strings and Set Clear Boundaries:

 

 

Also Mentioned on the Show:

 

 

Thanks for Listening!

Jul 17, 2018

"The reason we have a student loan crisis is not the cost of education. It's choice of education." — Dave  

 

 

You CAN Win With Money, and We'll Show You How: 

 

 

Also Mentioned on the Show:

 

 

Thanks for Listening!

Jul 17, 2018

"You can't get out of a hole while you're digging out the bottom." — Dave

 

 

Stop Digging a Hole and Start Winning With Money:

 

 

Also Mentioned on the Show:

 

 

Thanks for Listening!

Jul 17, 2018

"Building a house together can cause a divorce." — Dave 

 

 

Whether Building or Buying, Choose the Right Agent:

 

 

Also Mentioned on the Show:

 

 

Thanks for Listening!

Jul 16, 2018

"That's exactly how you do it, man. You just lean in, and whatever comes at you, you fight it off and you scratch and you claw and you make a difference . . ."  — Dave 

 

 

Never Fight About Money Again: 

 

 

More From Ken Coleman:

 

 

Also Mentioned on the Show:

Jul 16, 2018

"There's something that happens when you don't care what other people think." — Dave

 

 

Love Your Life Enough to Get Out of Debt:

 

 

Also Mentioned on the Show:

Jul 16, 2018

"You can '-ish' your way into getting nothing done." — Dave 

 

 

Learn How to Win With Money:

 

 

Also Mentioned on the Show:

Jul 13, 2018

"You can combine your budgets, your goals and your process tonight." — Dave 

 

 

Combining Expenses is Easy with EveryDollar: 

 

 

Also Mentioned on Today's Show: 

Jul 13, 2018

"All of your possible choices suck for a while, and you're going to have to swallow that and do it. There's no fairy godmother coming."  — Dave

 

 

Forget the Fairy Godmother and Take Control of Your Money:

 

 

Also Mentioned in Today's Show:

Jul 13, 2018

"Steer clear of the things that steal your energy and steer towards the things that give you energy." — Dave

 

 

Discover What Gives You Energy:

 

 

Also Mentioned on Today's Show: 

Jul 12, 2018

"It's not like it's going to be a devastating permanent financial decision. You can just sell it." — Dave 

  

 

Learn the Steps to Pay Cash for Your Next Car:

 

 

Also Mentioned on Today's Show: 

Jul 12, 2018

"We're doing harm to our kids and no one is suggesting we stop it." — Dave

 

 

Learn How to Pay Cash for College:

 

 

Also Mentioned in This Episode: 

Jul 12, 2018

"It's going to mean during those years that you have absolutely no life. Scorched Earth." — Dave 

 

 

Become Debt-Free and Build Wealth:

 

 

Also Mentioned on Today's Show: 

Jul 11, 2018

"You got rid of all the financial stress . . . You got radical!" — Dave

 

 

One Day Can Change Everything:

 

 

Also Mentioned in This Episode: 

Jul 11, 2018

"My personal 401(k)s and Roth IRAs are invested in good, growth stock mutual funds spread across four categories evenly . . . I don't own a single bond." — Dave

 

 

Build Wealth With Smart Investing:

 

 

Also Mentioned on Today's Show: 

Jul 11, 2018

"I would walk before I went into debt for a car." — Dave

 

 

Learn How to Save Money and Ditch Car Payments:

  

 

Also Mentioned on Today's Show: 

Jul 10, 2018

"They'll take everything. It's a Federally-insured student loan which gives them access to everything." — Dave 

 

 

Learn How to Avoid Student Loan Debt:

 

 

Also Mentioned on Today's Show: 

Jul 10, 2018

"Get on a budget and take enough jobs to pay for your family . . . You're a grown man with a family and your daddy's still taking care of you." — Dave 

 

 

Get on a Budget in Just 10 minutes:

 

 

Also Mentioned on Today's Show: 

Jul 10, 2018

"Wake-up call! We've got to do something about this debt!" — Dave

 

 

Beat Student Loan Debt With the Baby Steps:

 

More From Chris Hogan:

 

 

Also Mentioned on Today's Show: 

Jul 9, 2018

"You can't go somewhere if you don't know where you're going or how you're going to get there. Your budget is your road map." — Dave

 

 

Budgeting Just Got Easy: 

 

 

Also Mentioned in This Show:

Jul 9, 2018

"Your most powerful wealth building tool is your income. It's not the spread of your investments over your debt interest rate." — Dave

 

 

Learn to Eliminate Debt and Invest for the Long Term:

 

 

Also Mentioned On Today's Show:

Jul 9, 2018

"There are very few schools that you attend that cause success. Knowledge causes success. And application of knowledge causes success." — Dave 

 

 

Learn How to Make Money and Save for College Now:

 

 

Also Mentioned on Today's Show:

Jul 6, 2018

"Passion speaks to what work I love to do. Talent speaks to what I do very well." — Ken Coleman

 

 

Plan For Your Future And Transform Your Life:

 

 

More From Ken Coleman: 

 

 

Also Mentioned in This Episode:

Jul 6, 2018

"If I wouldn't buy it again, it's time to sell it."  — Dave

 

 

Save Money When Buying or Selling: 

 

 

Also Mentioned in This Episode:

Jul 6, 2018

"We're game on. Lean in. Extra jobs and beans and rice and budgets and everything else." — Dave 

 

 

Paying Down Your Big Mess Starts With an EveryDollar Budget:

 

 

Also Mentioned in This Episode:

Jul 5, 2018

"That's psychological warfare . . . they're trying to intimidate you." — Dave

 

 

Budgeting Just Got Easy:

 

 

Also Mentioned in This Episode: 

Jul 5, 2018

"I don't think the investment is your secret sauce answer to your problem. I think you are." — Dave 

 

 

Avoid Money Mistakes in College:

 

 

Also Mentioned in This Episode:

Jul 5, 2018

"Broke people making fun of your financial plan means you're on track." — Dave 

 

 

Break Free From Money Stress:

 

 

Also Mentioned in This Episode: 

Jul 4, 2018

"This is how you create a whole wussification of America . . ." — Dave

 

 

Raising the Next Generation to Win:

 

 

Also Mentioned in This Episode: 

Jul 4, 2018

"You've got control of your life in the palm of your hand." — Dave 

 

 

Find Debt Freedom With EveryDollar: 

 

 

Also Mentioned in This Episode: 

Jul 4, 2018

"It's the worst possible kind of debt to have. They're all-powerful and expensive." — Dave

 

 

Learn How to Get Out of Debt:

 

 

Also Mentioned in This Episode: 

Jul 3, 2018

"There are four things a young couple needs to be in agreement on, and if they're in agreement on these four things, the data points tell us they have a high success rate in their marriage." — Dave

 

 

A Date Night Worth Investing In:

 

 

Also Mentioned in This Episode: 

Jul 3, 2018

"When you are out and about making purchases, then you will spend more if you are using your debit card or a credit card . . . than if you use cash." — Dave 

  

 

Spend Less Money With the Envelope System:

 

 

Also Mentioned in This Episode: 

Jul 3, 2018

"I can't even imagine what you're going through, but don't let the emotional state give you an excuse to go do crazy spending of some kind." — Dave

 

 

Be Prepared for Emergencies With the Baby Steps:

 

 

Also Mentioned in This Episode: 

Jul 2, 2018

"You don't have a financial problem. You have a heartbreak." — Dave

 

 

Find Long-Term Care Insurance:

 

 

Also Mentioned in This Episode: 

Jul 2, 2018

"You're falling into the classic trap that causes people to not get traction. You're trying to do six things at once and none of them are getting done." — Dave

 

 

Learn Steps to Get Traction With Money:

 

 

Also Mentioned in This Episode:

Jul 2, 2018

"I cannot imagine a world in which I would accept 12 years of servitude as my future." — Dave

 

 

Learn How to Stop Drowning in Debt: 

 

 

More From Rachel Cruze:

 

 

Also Mentioned in This Episode:

Jun 29, 2018

Reconnect and Invest in Your Relationship:

 

 

Also Mentioned in This Episode:

Jun 29, 2018

Get Focused, Small-Business Support:

 

 

More From Ken Coleman:

 

 

More From Anthony ONeal:

Jun 29, 2018

Budgeting Just Got Easy:

 

Jun 28, 2018

Learn to Budget Without the Money Fights:

 

 

Budgeting Just Got Easy:

 

 

Jun 28, 2018

Get Support to Make Money Doing What You Love:

 

 

More From Ken Coleman:

Jun 28, 2018

Provide a Happier, Healthier Workplace:

Jun 27, 2018

Learn to Reset Financial Goals Together:

 

 

Explore Your Best Business Idea: https://goo.gl/8s2Fdb

Jun 27, 2018

Step-by-Step Guidance for Your Small Business Idea:

 

Jun 27, 2018

Help Students Avoid Debt:

 

Jun 26, 2018

Learn How to Reach Your Financial Dreams:

 

 

Smart Graduation Gifts:  https://goo.gl/XJ9mk5

Jun 26, 2018

Budgeting Just Got Easy:

 

Jun 26, 2018

Make Your Business Idea Happen:

 

 

More From Anthony ONeal:

 

 

 

Jun 25, 2018

Learn to Live More, Worry Less:

 

 

Dave's Hiring!

Jun 25, 2018

Learn Tools to Communicate More Effectively:

Jun 25, 2018

Learn How to Reset Your Life:

 

Jun 22, 2018

"The rule of thumb I use is: don't have things with motors in them totaling more than half your annual income." — Dave

 

 

Budgeting Just Got Easy:

 

  

Also Mentioned in This Episode: 

Jun 22, 2018

"Every dollar has an assignment before the month begins." — Dave

 

 

Budgeting Just Got Easy:

 

  

Also Mentioned in This Episode: 

Jun 22, 2018

"We recommend 10–12 times your income for you on a 15- or 20-year term policy." —Dave

 

 

Protect Your Family With Term Life Insurance:

 

  

Also Mentioned in This Episode: 

Jun 21, 2018

"You have to face the reality that your good intentions and the wonderful cause that you're serving is not enough." — Dave 

 

 

How to Save $1,000 Fast:

 

 

Also Mentioned in This Episode: 

Jun 21, 2018

"When you focus on something exclusively, that's when you win with it." — Dave 

 

 

How to Save $1,000 Fast:

 

 

Also Mentioned in This Episode: 

Jun 21, 2018

"The shortest path to wealth is no payments." — Dave 

 

 

Get on the Path to Wealth:

 

 

Also Mentioned in This Episode: 

Jun 20, 2018

"Get on a written game plan and tell your money what to do instead of wondering where it went." — Dave 

 

 

Create Your Game Plan in Just 10 Minutes:

 

 

Also Mentioned in This Episode:

 

Jun 20, 2018

"I'm not a family therapist. I'm just an old man who's done a lot of stuff." — Dave

 

 

Learn to Say No: 

 

 

Also Mentioned in This Episode: 

Jun 20, 2018

"The part-time job has one purpose and one purpose only, and that is to pay on the debt." — Dave

 

 

Learn to Save $1,000 Fast: https://goo.gl/yrV73X 

 

 

Also Mentioned in This Episode: 

Jun 19, 2018

"When you come out of bankruptcy, you come out of bankruptcy with nothing. . . . It's not a wealth-building methodology." — Dave

 

 

Start Winning With Money:

 

 

Also Mentioned in This Episode: 

Jun 19, 2018

"You didn't marry them, you went to work for them. If you can go make twice as much, you should." — Dave

 

 

Find Your Best Business Idea:

 

 

Also Mentioned in This Episode:

Jun 19, 2018

"I'm glad it aggravates you because that's going to motivate you to get after it." — Dave

 

 

Graduation Gifts that Motivate: https://goo.gl/XJ9mk5 

 

 

Also Mentioned in This Episode:

Jun 18, 2018

"Let's build you a business . . . and you can control your time at home." --Dave

 

 

Build a Business to Make Money Doing What You Love:

 

 

Also Mentioned in This Episode:

Jun 18, 2018

"It is not child abuse to NOT support your children's stupid decisions." — Dave

 

 

Learn the Word "NO:"

 

 

Also Mentioned in This Episode:

Jun 18, 2018

"The bad news is, you learned a very expensive lesson. The good news is, if you learned it, you'll never have to learn it again." — Dave

 

 

Clean Up Overdrafting With Easy Budgeting:

 

 

More from Rachel Cruze:

 

 

Also Mentioned in This Episode:

Jun 15, 2018

"We weren't managing the money we had . . . We needed to worry about the money going out, not just what's coming in." 

Dave chats with a couple under serious financial stress until they made a budget and turned it all around in just 2 years.

 

 

Budgeting Just Got Easy:

 

 

Also Mentioned in This Episode:

Jun 15, 2018

"Money's not in a different category here. You're teaching them behavior skills . . . to have self-control and to be a high-quality adult." —Dave 

 

 

Teach Teens to Avoid Money Mistakes: 

 

 

Also Mentioned in This Episode: 

Jun 15, 2018

"Your best inheritance to your children is first and foremost the character that you transfer to them." — Dave

 

 

Learn How to Build a Family Legacy:

 

 

Also Mentioned in This Episode: 

Jun 14, 2018

"If broke people are making fun of your financial plan, you're right on track." — Dave

 

 

Decide to Live Smarter:

 

 

Also Mentioned in This Episode: 

Jun 14, 2018

"The point of Baby Step 1 is . . . GET STARTED." — Dave

 

 

Discover How to Save $1,000 Fast: 

 

 

Also Mentioned in This Episode: 

Jun 14, 2018

"It's all in. All in for the healing or all in for the hell. Which one are you going to sign up for?" — Dave

 

 

Go All in for a Financial Makeover:

 

  

Also Mentioned in This Episode: 

Jun 13, 2018

Author Andy Andrews visits Ken Coleman in the studio to chat about hope and creating value for other people. 

Ken Coleman and Anthony ONeal sit in for Dave and give advice on investing, paying off debt, and saving for the future by following Dave's proven plan for winning with money.

 

 

Find Top Real Estate Agents Who Can Help You Save Money:

 

  

More from Ken Coleman:

 

 

More From Anthony ONeal:

 

 

Also Mentioned in This Episode: 

Jun 13, 2018

"The point of personal finance is it's personal, meaning that your life and your family decisions are as valid as the math decisions." --Dave

In this episode Dave talks about mortgages and tax deductions, investing in real estate, and why paying off the mortgage is a smart way to build wealth.

 

 

Save Money When Buying or Selling a Home:

 

 

Also Mentioned in This Episode:

Jun 13, 2018

"Everything that we talk about is what Proverbs says, that the diligent prosper. Meaning that when you work your butt off, you have money." — Dave

A family from California visits the studio to share their debt-free journey. Listen to hear what makes Dave say, "Beware of the preschool teacher!" 

Dave explains why his teachings don't match up with the "prosperity gospel" and why it's absurd to say the program only works for the privileged. 

 

 

Transform Your Life in 7 Simple Steps:

Jun 12, 2018

Borrowing money to get ahead in life will usually come back to bite you. Dave knows. He's been there. In this episode, Dave gives practical advice on debt, investing and building wealth.

 

 

Never Worry About Money Again:

 

 

Also Mentioned in This Episode:

Jun 12, 2018

To win with money, couples need to be on the same page. In this episode, Dave gives tips to help improve communication in marriage when making a budget and attacking debt.

A couple from Texas calls the show to scream, "We're DEBT-FREE!" 

 

 

Budgeting Together Just Got Easier:

 

 

Also Mentioned in This Episode: 

Jun 12, 2018

In this episode, Dave talks about the three things you should do with your money and the best way to invest in mutual funds to pull a livable income during retirement.

A couple in Florida calls the show to share how they declared bankruptcy and felt hopeless when they still had to pay off $50,000. But they followed Dave's plan and got out of debt: "We're out! We're free! . . . When you have your moment of change, never look back!" 

 

 

Find a Qualified Investing Professional Near You: 

 

 

Also Mentioned In This Episode:

Jun 11, 2018

Debt doesn't have to be a lifetime sentence. A millennial couple from North Carolina visits the studio to share how they paid off $127,000 in two years and started a small business with cash!

Christy Wright joins Dave in studio to discuss how women can discover their profit potential and how to take their small business to the next level. 

 

 

Learn What You Need to Start or Grow Your Business:

 

 

More From Christy Wright:

 

 

Also Mentioned in This Episode: 

Jun 11, 2018

Retiring wealthy is the Great American Dream, but figuring out if you will have enough to live on and enjoy can be a little scary. In this episode Dave explains how to determine if your investments will fund your retirement dreams.

Dave discusses Credit Bureaus and the dependent relationship Americans have with the almighty FICO score.

A determined couple from Ohio visits the studio to scream, "We're DEBT-FREE!"

 

 

Live the Dream! Find a Qualified Investing Professional:

 

 

Also Mentioned in This Episode:

Jun 11, 2018

Dave recommends buying ten times your income in term life insurance. But what if a tragic diagnosis prevents you from being eligible? In this episode, Dave gives practical advice to a cancer survivor who wants to protect his family with life insurance. 

A family from Los Angeles, California visits the studio to share their debt-free journey: "Big hairy debt payments are the only way to knock out big hairy debts!"

Dave gives personal insight to a young couple in walking through Chapter 13 bankruptcy: "Sharon and I went through the same kind of stuff you guys are going through, but with zeros on the end of our stupidity.... So I know how it feels to be scared and wish I hadn't done that."

 

 

Protect Your Family With Term Life:

 

 

Also Mentioned in This Episode:

Jun 8, 2018

Feeling stuck in debt? There's a way out! Like millions of other families, you can take simple steps to change the way you handle money and get ahead. In this episode, Dave gives practical advice on the quickest way to beat debt and talks to a couple from Kentucky who paid off $125,000 in less than 2 years!

Dave talks about Proverbs 13:11: Wealth gained hastily will dwindle, but whoever gathers money little by little makes it grow.

 

 

Proven Tools to Help You Win With Money:

 

 

Also Mentioned in This Episode: 

Jun 8, 2018

Small-business and property owners are the backbone of America. But if you don't know the basics of handling your money the right way, it can be disastrous to your bottom line. In this episode, Dave explains how to set up a business account with a separate prioritized spending plan to know exactly how profitable your business is.

 

Learn How to Handle Your Money:

Jun 8, 2018

If you think you'll be in debt until the day you die, think again! In this episode, Dave talks to several callers who are living that debt-free life, including a newlywed couple from Washington who paid off $109,000 in less than 2 years! Listen to be inspired by their story!

 

 

Proven Tools to Help You Get Out Debt:

 

 

Also Mentioned in This Episode:

Jun 7, 2018

Don't tell Dave that all millennials live in their parents' basement playing video games. Some are on fire! In this episode, Dave chats with a 19 year old who has a solid plan to finish school debt-free, but wants to know when she should start investing, move out of her parents' home, and buy a house on her own! Listen to Dave's practical guidance on what college students should do with their money and when to start living independently.

 

 

Raise Money-Smart Kids: 

 

 

Also Mentioned in This Episode:

Jun 7, 2018

Home—it's not just a place to lay your head. It's the sound of "Happy Birthday" echoing around the table. It's the smell of popcorn hanging in the air while binge-watching TV late at night. Your home is full of memories, so deciding to pack up and move is full of emotions—even if you're moving for a good reason. Dave's been there! In this episode, Dave gives practical advice on whether to sell your home if you're trying to pay down debt. 

 

 

A Mortgage Company You Can Trust: 

 

 

Also Mentioned in This Episode:

Jun 7, 2018

Retirement expert Chris Hogan says retirement is not an age—it's a financial number. And the good news is, you get to set that number. Do you dream of retiring with millions? In this episode, Dave and Chris interview people just like you with a net worth of at least $1,000,000 to find out what they did to reach their number. Do what they did, and you, too, can become an everyday millionaire. 

 

 

More From Chris Hogan:

 

 

Also Mentioned in This Episode:

Jun 6, 2018

Achieving personal goals is challenging, especially when family members make you feel guilty for it. In this episode, Dave gives insight on how to set clear, healthy boundaries with family. 

 

Learn More About Setting Boundaries:

 

Also Mentioned in This Episode:

Jun 6, 2018

If a lifetime of stupid money mistakes is stealing your hope and inspiration, it's time to draw a line in the sand. In this episode, Dave gives insight on how to find motivation to take control of your money and future. "Grace means I can put stupid in the rear-view mirror. . . . There are storm clouds in the rearview mirror. But that's in the past. Drive away from the storm toward the sun. That's what we're all trying to do—learning from our mistakes."

 

 

Retire With Dignity: 

 

 

Also Mentioned in This Episode:  

Jun 6, 2018

Transitioning to a single-income household after a divorce can be scary and overwhelming. In this episode, Dave talks to a rockstar single mom who explain the steps she took to become a millionaire! 

Dave talks to Susan Spencer, author of When Action Follows Heart: 365 Ways to Share Kindness.

A couple from Texas calls the show to scream, "We're DEBT-FREE!" 

 

Dave's Proven Plan to Financial Peace:

 

 

Also Mentioned in This Episode:

Jun 5, 2018

Too many students are drowning under the weight of school loans. It doesn't have to be that way. In this episode, Dave gives practical advice on how to pay for your degree in cash!

A couple from Kentucky visits the studio to share how they paid off $72,000 of student loans in 19 months: "Sallie Mae was around long enough, I think I was going to have to take her for a driving test soon!"

 

 

Avoid Money Mistakes in College:

 

   

Also Mentioned in This Episode:

Jun 5, 2018

When family members are struggling to make ends meet, it's normal to want to help them out. In this episode, Dave explains how to help family with money the right way so you're not supporting their bad behavior.

A couple from Colorado visits the studio to share how they paid off over $263,000 and scream, "We're DEBT-FREE!" 

Dave gives historical market data on investing in mutual funds vs. the S & P. 

 

 

Know Exactly Where Every Dollar Is Going:

 

 

Also Mentioned in This Episode:

Jun 5, 2018

Most parents know teaching kids how to handle money is important, but knowing how to do it the right way doesn't come naturally. In this episode, Dave gives insight on how he taught the Ramsey kids about money and shares practical ways parents can create teachable moments for kids from toddlers to college students.

Newlyweds from Minnesota visit the studio to share how they paid off over $60K: "When you get on the exact same page, whether it's a paper budget or you're using the EveryDollar app...you see what each other is doing and you talk about it. That's what the key was!" 

Dave shares his personal thoughts on firearms training and insurance.  

 

Raise Money-Smart Kids:

 

 

Also Mentioned in This Episode:

Jun 4, 2018

Investing for retirement doesn't have to be complicated. In this episode, Dave gives insight on investing in mutual funds vs. single stocks.

A family from Boston visits the studio to scream, "We're DEBT-FREE!" 

Chris Hogan joins the show to chat with Dave about the proven processes that connect people to financial success. Chris says if you borrow from your 401(k), you're stealing from your dreams.

 

 

Become a Hero to Your Employees:

 

 

More From Chris Hogan: 

  

 

Also Mentioned in This Episode:

Jun 4, 2018

Providing for your family's future is a huge responsibility, but it doesn't have to be scary. In this episode, Dave talks with a young, expectant father about how to make sure his child won't live in poverty by following steps in the "success sequence." 

A family from Utah visit the studio to share their debt-free story: "Some days I would go to my first job in the morning at 7 a.m. . . . then go to my second job to deliver Papa John's pizzas until 1 a.m."

 

 

Budget Your Way to a Secure Future:  

   

 

Also Mentioned in This Episode:

Jun 4, 2018

Rachel Cruze joins Dave on the show to discuss balanced parenting, and how to set a good example for kids financially even if you've made mistakes in the past.

An incredible survivor from Ohio makes Dave tear up when she shares her journey to debt freedom: "It feels amazing just to own my entire paycheck!" 

 

 

Teach Kids to Win With Money:

 

 

More From Rachel Cruze:

 

  

Also Mentioned in This Episode:

Jun 1, 2018

Small Business Guide for Teens:

 

 

Bring Life-Changing Financial Wellness to Your Team:

Jun 1, 2018

Help People Win With Money:

May 31, 2018

One Day Can Change Everything: 

 

 

A Date Night Worth Investing In: 

May 31, 2018

Tools to Help You Build Wealth:  

May 30, 2018

A Date Night Worth Investing In: 

 

 

Business Idea Bootcamp:

 

 

May 30, 2018

One Day Can Change Everything: 

 

 

May 30, 2018

Proven Money Solutions: 

May 29, 2018

For Leaders Who Aren't Ready to Settle for the Norm:

May 29, 2018

Make Money Doing What You Love:

May 29, 2018

Tools to Help You Handle Money:

May 28, 2018

Start Your Debt-Free Journey:

May 28, 2018

Budgeting for a Home Just Got Easy:

 

 

Find Top Real Estate Agents:

May 28, 2018

For Leaders Who Aren't Ready to Settle for the Norm:

May 25, 2018

In this episode, Dave gives practical advice about paying off student loan debt and how to build wealth for your family's future.

A young couple in South Dakota visits Dave in the studio to share their debt-free story. 

 

 

Take Control of Your Money, Plan for Your Future, and Transform Your Life:

 

 

Also Mentioned in This Episode: 

May 25, 2018

Bunking with family for a while may sound like a smart idea if you're trying to save money. In this episode, Dave gives wise advice to couples who are dealing with the stress of living with in-laws to reach financial goals.

Also, sometimes it's the in-laws who need help with money. Dave gives insight on the best way to talk about money with family members who are struggling.

 

 

Stop Arguing About Money and Find Peace for Your Family:

 

 

Also Mentioned in This Episode: 

May 25, 2018

Emotions can get high when there's a wedding on the calendar! In this episode, Dave gives insight on how to respectfully set boundaries when family members are expecting more than you're willing or able to give.

Also, what should you do if you're engaged to someone who's irresponsible with money? Dave gives some personal advice to a young girl who wants to get her finances together, but her boyfriend thinks Financial Peace University is a scam.

  

Build Healthy Family Relationships:

  

Get on the Same Page Financially:

  

Also Mentioned in This Episode: 

May 24, 2018

Dave discusses the myth that you have to go to an expensive school to be successful in life. 

A couple from St. Louis visits the studio to share their debt-free story: "For us the real key was creating a budget and sticking to it. It was both the hardest adjustment and the most important one."

 

 

Avoid Money Mistakes in College:

 

 

Also Mentioned in This Episode: 

May 24, 2018

Losing a spouse is overwhelming enough, but trying to make money decisions while you're grieving is nearly impossible. In this episode, Dave talks about the wisdom of slowing down a bit before making drastic decisions when the grief is so fresh you can't even breathe.

A couple from Ohio visits the studio to scream, "We're DEBT-FREE!"

 

Protect Your Family With Term Life Insurance:

 

 

Also Mentioned in This Episode:

May 24, 2018

Rachel Cruze joins Dave in studio to talk about life hacks that will save you money. 

A couple from Texas visits the studio to share how they paid off $132,000: "Daily choices and controlling impulse buying was the key."

 

 

Get the Best Deal on Insurance:

 

 

More From Rachel Cruze:

 

 

Also Mentioned in This Episode:

May 23, 2018

Getting out of debt is a huge goal, but it's not the finish line! In this episode, Dave explains the steps to buy a home, save for retirement, and enjoy your money.

 

 

Make Extra Money Doing What You Love:  

 

 

Also Mentioned in This Episode:

May 23, 2018

You don't have to keep living paycheck to paycheck. If you're drowning in debt, Dave's been there and can show you the way out. His proven plan can give you a clear path to attack debt and start building a better future! 

A young couple from Idaho visits the studio to share their debt-free story: "We were on a plan, and there was no option to stray from it."

 

 

Build a Better Future:

 

 

Also Mentioned in This Episode:

May 23, 2018

Generosity isn't always easy for both partners in a marriage. In this episode, Dave gives insight on tithes, offerings and how to be unified in giving. "If you don't have giving built into your system, you're limiting your personal growth, you're limiting the results you'll get with money, you're limiting everything."

 

 

Learn the Secret to Contentment and Generosity:

 

 

Mentioned in This Episode:

May 22, 2018

In this episode, Dave explains a step-by-step plan that will show you how to get out of debt and build wealth.

A couple in Utah calls the show to scream, "We're DEBT-FREE!"  

 

 

Get on Dave's Proven Program to Become Debt-Free: 

 

 

Also Mentioned in This Episode:

May 22, 2018

In this episode, Dave gives insight on investing in mutual funds, how to plan for retirement, and when to buy real estate.

Also, Dave talks to a millionaire to find out what he did to become wealthy. 

A young couple in Michigan calls the show to share how they paid off their mortgage!

 

 

Find Someone to Teach You About Smart Investing:

 

 

Reach Your Goal to Be Debt-Free With Dave’s 7 Baby Steps:

  

Also Mentioned in This Episode:

May 22, 2018

You want to provide for your family, but you don't want to choose the wrong life insurance policy or pay too much for it! In this episode, Dave gives practical advice on how to choose the right insurance, how much it should cost, and how to plan for it in your budget.

Also, if you're tired of bad money habits sabotaging your life, Dave gives insight on how to get your spouse to listen to your concerns so you can work together to build a better future. A couple from Pittsburgh visits the studio to share their personal story of how Financial Peace University helped them turn things around.

 

 

Protect Your Family With the Right Insurance:

 

 

Decide to Change Your Financial Future:

 

 

Also Mentioned in This Episode:

May 21, 2018

It hurts to watch your parents struggle with money, but bailing them out repeatedly never solves the problem. In this episode, Dave gives insight on how to talk to parents who don't want to deal with money problems. Also, a couple from Michigan shares how they became debt-free!

  

Never Worry About Money Again:

  

Also Mentioned in This Episode:

May 21, 2018

You're working too hard for your money to retire stressed over money. In this episode, Dave gives practical advice on how to make a realistic plan that will help you reach your retirement dreams! 

 

Clarify What Your Retirement Dream Is and Make It Happen:

 

 

Also Mentioned in This Episode:

May 21, 2018

College graduates shouldn't have to start their adult life trapped in debt for years. In this episode, Dave addresses the student loan crisis in America and gives practical advice on how to beat debt. Also, a New Yorker visits the studio to share how he paid off his student loans.

 

Get on the Path to Debt Freedom: 

 

Also Mentioned in This Episode:

May 18, 2018

In this episode, Dave explains where medical bills should go in the "debt snowball," the quickest way to pay off multiple debts so you can start building wealth. Also, a newlywed couple from San Diego visits the studio to share how they paid off $63,000 in 13 months!

 

 

Learn More About The Debt Snowball:

 

 

Also Mentioned in This Episode:

May 18, 2018

In this episode Dave explains what to budget for and what to set aside in sinking funds while you're still in debt. Also, a family from South Carolina visits the studio to share their debt-free story: "I was like a bull in the china shop with the budget."

 

 

Get the Program to Change Your Family Tree:

  

 

Also Mentioned in This Episode: 

May 18, 2018

In this episode Dave explains why he doesn't yell at people for taking out a mortgage and gives specifics on the best way to buy a house. Also, a couple from Georgia visits the studio to scream, "I'm DEBT-FREE!"

 

 

Change Your Life With A Program That Works: 

 

 

Summer Car Give-Away: https://www.daveramsey.com/giveaway

 

 

Also Mentioned in This Episode: 

May 17, 2018

Chris Brown joins Dave in studio to discuss distracted parenting and encourage worried dads struggling to get out of debt.

 

 

More From Chris Brown:

 

 

Also Mentioned in This Episode:

May 17, 2018

Chris Hogan joins Dave in studio to talk about how to invest in 401(k)s to build wealth for retirement. Also, a couple in South Dakota calls the show to share how they paid off $157,000 in student loan debt: "We didn't buy new cars or houses like all of our friends were doing when they got out of college." 

 

 

Get on the program that works to get out of debt and build wealth:

 

 

More From Chris Hogan:

 

   

Also Mentioned in This Episode:

May 17, 2018

When you're frustrated with how you're being treated, it's easy to get angry. In this episode, Dave talks to a caller who trashed Xfinity on the show to get the rest of the story...it's a great one! Also a couple from Florida calls the show to scream, "We're DEBT-FREE!"

 

 

Resources to help you stop living paycheck to paycheck:

   

 

Also Mentioned in This Episode:

May 16, 2018

In this episode, Dave and Chris Hogan interview everyday millionaires to discover how they became wealthy. 

   

More From Chris Hogan:

 

 

Also Mentioned in This Episode:

May 16, 2018

Deciding how to handle life insurance or 401(k)s after a divorce can be tricky. In this episode, Dave suggests an alternative to naming your ex as the beneficiary so your child will be provided for if something happens to you. Also, a couple from Atlanta visits Dave in studio to scream, "We're DEBT-FREE!" 

 

Protect Your Family With Term Life Insurance:

  

Also Mentioned in This Episode: 

May 16, 2018

It is 100% possible to win at business without borrowing money! In this episode, Dave shares his personal story on growing a debt-free multimillion-dollar business from the ground up. You can expand without business loans. Dave can show you how.

 

Step-by-Step Guidance to Take Your Business Where You Want It to Go:

  

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