Dave answers questions about handling large money gifts to kids, money and marriage, converting to a Roth IRA, and the importance of an emergency fund. 

Featured Calls:

• Justin: My kids were given $2,000
• Katie: Should I go back to work?
• Jessica: My husband hid a big purchase from me.
• Debt-Free Scream: Kenneth and Anna paid off $99K!
• Fran: Convert my IRA to a Roth?
• Tyler: Pay off my mortgage with savings?

 Get Out of Debt:

• Financial Peace University: https://goo.gl/Ui6MDT
• The Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU

Dave gives practical advice on car leases, cash savings, paying capital gains taxes, what you should do with a tax refund, and how to get started investing. 

Featured Calls:

• Alicia: How to handle a leased van we regret?
• Pat: Are 1031 exchanges a good idea?
• Todd: Is what the government did illegal?
• Debt-Free Scream: Kaysee paid off $23K after getting a wake-up call in the Financial Peace University class with her fiance. Get the wake-up call, too: https://goo.gl/Ui6MDT
• Jean: How do we start investing our $3MM cash?
• Suzanne: How should we invest my inheritance to build a legacy for my grandchildren?

Win With Money:

• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired:  https://goo.gl/LL1RMU
• Envelope Systems for cash management: https://goo.gl/9DiojA
• SmartVestor Pro: https://goo.gl/W5QDi5 
• The Total Money Makeover: https://goo.gl/jNEJM9

Dave Also Mentioned:

• Use a Tax Pro: https://goo.gl/jsHVJG
• The Legacy Journey: https://goo.gl/z5xhVB

Dave gives practical advice on life insurance, how to get out of debt and build wealth with a proven seven-step plan, 401(k) loans, and when to hoard cash instead of paying extra toward debt.

Featured Questions and Calls:

• Leslie: How much life insurance do I need? 
• Bethany: Enroll in student loan forgiveness program?
• Mark: Worth paying capital gains tax to pay down debt?
• George: Smart to take out a 401(k) loan?
• Debt-Free Scream: Heath and Brittany killed $68K in student loans after taking Financial Peace University: https://goo.gl/Ui6MDT

Win With Money:

• SmartVestor Pro: https://goo.gl/W5QDi5
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired:  https://goo.gl/LL1RMU
• EveryDollar: https://goo.gl/j2acMb

Dave Also Mentioned:

• Zander Insurance: https://goo.gl/4UuvVL
• EntreLeadership: https://goo.gl/pJ1kyc
• Rhinoceros Success: 

Dave gives personal insight on the mental and financial risk in real estate and how to get from where you are now to where you want to be (Dave Rant)!

Featured Calls:

• Andrew: Sell rental property to pay off debt?
• Debt-Free Scream: Mark and Kassandra paid off $36K after going all-in with Financial Peace University! Start on your debt-free journey today: https://goo.gl/Ui6MDT
• Lynn: Should I do a short-sale on my house?

Your Clear Path to Wealth:

• The Total Money Makeover: https://goo.gl/jNEJM9
• Financial Peace University: https://goo.gl/Ui6MDT
• Baby Steps Bundle: https://goo.gl/qSUhwN

Dave Also Mentioned:

• Business Boutique: https://goo.gl/aA66Pt
• Retire Inspired: https://goo.gl/LL1RMU

Dave gives practical advice on buying a car and what it really means when your wife says, "Do whatever you want." Also, how to get the best exchange rate when traveling oversees, how to pay back a 401(k) loan, and why getting $1,000 now is better than $10,000 later.

Featured Calls:

• John: Invest in mutual funds to save for a car?
• Mario: In debt, and my wife is mad.
• Tami: How to travel overseas without a credit card?
• Jake: Use my Roth IRA to pay back a 401(k) loan?
• Alex: Injured fireman, which retirement option should I take?
• Rob: Do I have enough to retire? 

Win With Money:

• Financial Peace University: https://goo.gl/Ui6MDT

Dave Also Mentioned:

• SmartVestor Pro: https://goo.gl/W5QDi5
• Find a local Tax Pro: https://goo.gl/jsHVJG
• Find Top Real Estate Agents: https://goo.gl/Cu4CRr

Dave gives callers insight on fighting for your kids in a divorce, how to get your tenants to help you sell a rental property, what helps teens win with money, and how to become a millionaire.

Featured Calls:

• A.J.: How do I start my life over after divorce? Financial Peace University helps you take control of your financial future: https://goo.gl/Ui6MDT 
• Dee: Best way to sell a house with tenants? 
• Kevin: What's my first step as a new real estate agent?
• Nathan: Should a 15-year-old start investing?
• Donna: Use the Roth IRA to pay off the house?

Get Out of Debt:

• Envelope Systems for cash management: https://goo.gl/9DiojA
• Financial Peace University: https://goo.gl/Ui6MDT

Dave Also Mentioned:

• SmartVestor Pro: https://goo.gl/W5QDi5

Dave explains the basics of budgeting on an irregular income, cashing in on equity, why you should never, EVER borrow money from your in-laws, how to pay cash for a car, and dealing with the IRS.

Featured Calls:

• Sean: How to budget tips?
• Kevin: Sell all the rental property?
• Jenny: Totally upside-down on a car.
• Mike: Start a peer-to-peer rental business? 
• Debt-Free Scream: John and Jordan paid off $106K after taking Financial Peace University: https://goo.gl/Ui6MDT and trusting God to provide!
• John: Pause Baby Step 3b to save for a car?
• James: How to Pay the IRS?

Win With Money:

• The Total Money Makeover: https://goo.gl/jNEJM9
• EveryDollar Budgeting App: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU
• Get Your Taxes Done Right: https://goo.gl/jsHVJG

Also Mentioned:

• Dave's Hiring! Apply here: https://goo.gl/v9EK6p
• Make money doing what you love with Business Boutique Academy: https://goo.gl/aA66Pt

Dave gives practical advice on traditional IRAs, funding HSAs, starting a small business, investing with mutual funds, and how to stop living paycheck to paycheck. Also, Dave shares what surprised him about the millionaire survey. 

Featured Calls:

• Brittany: Roll my 401(k) into my husband's?
• Sherry: How should I take my pension?
• Steven: Pay an old bill with my HSA?
• Jeffery: Start a business while in debt?
• Another Steven: How to maximize compound interest?
• Crystal: Declare bankruptcy to clear my name?

Get Out of Debt:

• EveryDollar Budgeting App: https://goo.gl/j2acMb
• Envelope Systems: https://goo.gl/9DiojA
• The Baby Steps Bundle: https://goo.gl/qSUhwN
• Financial Peace University: https://goo.gl/Ui6MDT

Dave Also Mentioned:

• SmartVestor: https://goo.gl/W5QDi5

Dave empowers callers to get out of debt and stop the money fights with their spouse. He also warns about the cost of bad bookkeeping and falsified tax deductions for the self-employed.

Featured Calls:

• Chris: How to settle medical bills for addiction treatment?
• Elizabeth: Are We Being Overcharged for a Will?
• David: Sell the boat and BMW to pay down debt?
• Charlie: How can we stop fighting over the budget? With The Total Money Makeover: https://goo.gl/jNEJM9 Charlie and his wife can work together on getting their budget under control.
• Amanda: Do I owe my dad $4K for an upside down car?

Take Control of Your Money:

• Get out of debt with the Baby Steps: https://goo.gl/qSUhwN
• Financial Peace University: https://goo.gl/Ui6MDT
• EveryDollar Budgeting App: https://goo.gl/j2acMb
• The Total Money Makeover: https://goo.gl/jNEJM9

Dave Also Mentioned:

• Smart Conference: https://goo.gl/85nAri
• Retire Inspired: https://goo.gl/LL1RMU
• EntreLeadership: https://goo.gl/pJ1kyc

Dave gives practical advice on saving for college, mortgages, pre-paid funeral plans and dealing with in-laws.

Featured Calls:

• Debt-free scream: Brent and Suzanne call from Australia!
• Joyce: I don't like the 529 restrictions.
• Myrna: How can we save down payment for a house?
• Debt-free scream: Eric and Morgan paid off $131K by learning about all the stupid things they were doing with money in Financial Peace University. You can become debt-free, too! Take the class that will help get you there: https://goo.gl/Ui6MDT
• Louis: Should I repay my in-laws for a gift?

Also mentioned in this episode: 

• Become a FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU
• Baby Steps Bundle: https://goo.gl/qSUhwN

Dave gives insight on millionaire marriages, refinancing student loans, how to transition to a new career, and how to get out of debt quickly.

 Featured Calls:

• Bryce: Refinance $152,000 in student loans? 
• David: Sell my house to fund a career change?
• Dwayne: Take the Survival Benefit Plan offered?
• Adam: Sell my house to get out of debt? 

Also mentioned in this episode: 

• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Become an FPU Coordinator: https://goo.gl/zhrmcD
• Retire Inspired: https://goo.gl/LL1RMU
• Smart Money Event: https://goo.gl/gbef8X

Dave gives practical advice on evictions, budgeting as newlyweds, and how to invest for retirement. 

Featured Calls:

• Jacob: Handling tenants who won't pay?
• Parker: Use savings to cover our budget deficit?
• Jeff: What if my Roth IRAs are maxed out?
• Debt-Free Scream: Amy and Ryan paid off $67,000 after going through Financial Peace University! You can do it, too, with FPU: https://goo.gl/Ui6MDT
• Isaac: If you're against debt, why are mortgages okay?

Dave also mentioned:

• The Graduate Survival Guide: https://goo.gl/PiMYjj

The Dave Ramsey Show is real talk from America's trusted voice on life and money.

Featured Calls

• Aaron asks if a Roth or Traditional 401(k) is better.
• Ashley is afraid they can't afford their brand-new house. 
• Tina doesn't know how to help her broke parents.
• Debt-Free Scream! Jason and Katie paid off $94K!
• Rachel is in debt but wants to have another baby.
• Beverly is her late 50s with $255K in student loans.

Resources mentioned that will help you win with money:

• Financial Peace University: https://goo.gl/Ui6MDT
• SmartVestor Pro: https://goo.gl/W5QDi5
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Business Boutique Academy: https://goo.gl/aA66Pt
• Retire Inspired: https://goo.gl/LL1RMU

The Dave Ramsey Show is real talk from America's trusted voice on life and money.

Featured Calls:

• Rick asks how to stay competitive in business without debt.
• Lola wonders if mutual funds are too risky right now.
• David, 39, wants to move back in with his parents.
• Holly isn't sure why term life insurance is the best choice.
• Debt-Free Scream! Chase and Allison paid off $540K!
• Amanda's mom is giving her a guilt-trip about money.

Resources mentioned that will help you win with money:

• SmartVestor: https://goo.gl/W5QDi5
• Financial Peace University: https://goo.gl/Ui6MDT
• Retire Inspired: https://goo.gl/LL1RMU
• Boundaries: https://goo.gl/XXS2Z3
• EveryDollar: https://goo.gl/j2acMb

Chris Hogan joins Dave in studio to interview self-made millionaires and find out how they did it--including how much they've ever paid for a pair of jeans!

Featured Calls:

• Keanna ($1.6MM) and her husband never made over $110K.
• Walter ($2.1MM) has never purchased a new car.
• Mark ($1.65MM) worked the same job for 30 years. 
• Jim ($1MM) is the youngest millionaire on today's show.
• Dave ($3.1MM) started out making only $12K.
• Calvin ($2.4MM) warns that debt is not your friend!

Resources to Help You Build Wealth:

• (FPU) Financial Peace University: https://goo.gl/Ui6MDT
• The Legacy Journey: https://goo.gl/z5xhVB
• EntreLeadership Event: https://goo.gl/MnJPRZ
• Retire Inspired: https://goo.gl/LL1RMU
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• SmartVestor: https://goo.gl/W5QDi5

Learn everything you need to know about leaving a lasting legacy to your family with The Legacy Journey: https://goo.gl/z5xhVB

Other resources mentioned on today's show:

• Become an FPU Coordinator: https://goo.gl/zhrmcD
• Business Boutique Academy: https://goo.gl/aA66Pt
• The Envelope System: https://goo.gl/9DiojA
• Financial Peace University: https://goo.gl/Ui6MDT
• The Total Money Makeover: https://goo.gl/jNEJM9

Discover how to overcome fear and make money by living your dream at the Business Boutique 1-Day Event: https://goo.gl/AMXNfq

Other resources mentioned on the show:

• Envelope Systems for cash management: https://goo.gl/9DiojA
• Business Boutique Academy: https://goo.gl/aA66Pt
• The Total Money Makeover: https://goo.gl/jNEJM9
• Retire Inspired: https://goo.gl/LL1RMU

The key to getting out of debt is to stop spending money you don't have. Start telling your money what to do instead of wondering where it went with the EveryDollar budget planner: https://goo.gl/j2acMb

Other resources mentioned on today's show:

• Financial Peace University: https://goo.gl/Ui6MDT
• The Graduate Survival Guide: https://goo.gl/PiMYjj
• Business Boutique: https://goo.gl/mRV9TB
• EntreLeadership: https://goo.gl/pJ1kyc

You can leave a legacy for your family. Start the journey today: https://goo.gl/LggECP

Valentine's Day spending this year is expected to reach $19.6 billion!⁽¹⁾ Make a spending plan for the ones you love with EveryDollar. Create a budget in just 10 minutes! https://goo.gl/j2acMb

Also mentioned on today's show:

• Financial Peace University: https://goo.gl/uAa6su 
• Love Your Life, Not Theirs: https://goo.gl/3kA4CT
• Retire Inspired: https://goo.gl/LL1RMU
• Dave's Hiring: https://goo.gl/wkASZL

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.