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The Dave Ramsey Show

Get motivated and stay on track with your goals by listening to The Dave Ramsey Show, the fourth most downloaded podcast of 2017. In each show, Dave answers questions from listeners on subjects like debt, investing, retirement, insurance, and marriage. A best-selling author, Dave has sold over 10 million books. For more information, visit www.daveramsey.com
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Aug 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!

 

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

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!

 

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

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!

 

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

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:

 

Thanks for listening!

 

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

 

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!

 

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

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!

 

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

 

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!

 

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

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!

 

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

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!

 

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

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!

 

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

 

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!

 

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

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!

 

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

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:

 

Thanks for listening!

 

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

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:

 

Thanks for listening!

 

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

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!

 

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

 

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!

 

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

 

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!

 

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

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:

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