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The Ramsey Show

Be the Tortoise Not the Hare

Wed, 29 Jan 2025

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Dr. John Delony & George Kamel answer your questions and discuss: I'm bringing a ton of debt into our new marriage," "Should I keep putting my money into Bitcoin?" "Should I sell the truck I bought with my grandfather?" "When should I move out of my mom's house?" "Should I help my husband pay off his debt?" "Is Webull a good platform to start investing?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp ◎ Get 10% off Byrna product bundles and more! 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY 💸 Learn more about opening a high-yield savings account with Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📱 Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ Get Tickets to the Money & Relationships Tour 💼 Connect with a RamseyTrusted tax pro for help with payroll and more 💵 Start your free budget today. Download the EveryDollar app! 🪑 Check out Front Row Seat with Ken Coleman! 💪 Invest with confidence! Get tickets to Investing Essentials Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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Transcription

Full Episode

00:14 - 00:33 Dr. John Deloney

Live from Franklin, Tennessee, from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people with their money, their relationships, their work, their mental and emotional health, with just about everything. I'm John Deloney, joined by my good friend George Camel, and we're taking your calls live, 888-825-5225.

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00:33 - 00:48 Dr. John Deloney

If you were born in the last century, the call is toll-free, and if you were born in this century, you don't even know what that means. 888-825-5225. Let's go out to Orlando, Florida and talk to Grace. Hey, Grace, what's up?

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00:50 - 00:51 Grace

Hi, how are you guys?

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00:52 - 00:55 Dr. John Deloney

I mean, I don't know a way we could be better. We're actually doing pretty good right now.

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00:00 - 00:00 Grace

I love that. I love that. Thanks for having me.

00:00 - 00:00 Dr. John Deloney

What's up?

00:00 - 00:00 Grace

I was calling in because I am getting married later this year. My fiance has no debt, but I am bringing in quite the load. I have about $180,000 in student loan debt. That's all private. And about $15,000 in credit card debt. And I've been told multiple things. I've been told to file for bankruptcy while I'm single. No!

00:00 - 00:00 Dr. John Deloney

Who's telling you this? You can't even discharge that $180,000.

00:00 - 00:00 Grace

Yeah. So I just, I feel a lot of options. I've been grinding. I got a higher paying job and I'm really trying, but I'm just curious, you know.

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