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