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The Ramsey Show

Budgeting Leads You out of Debt & Into Wealth

29 Apr 2025

Description

šŸ“ˆ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ šŸ“± Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Rachel Cruze answer your questions and discuss: "My boyfriend doesn't want to work. Is this a dealbreaker?" "Should I take out a loan to start a business?" "When can I start enjoying my retirement nest egg?" "Is my mom responsible for my dad's credit card debt?" "I have buyer's remorse after buying a classic car. Should I sell it?" "Should we sell our house and move in with my in-laws to pay off debt?" "I'm about to receive a $400k inheritance. How do I invest it?" "Can we use our investments to help our children or wait until they inherit it?" Next Steps: āœ… ⁠Help us make the show better by taking this short survey!⁠ šŸ“ž Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠send us an email.⁠  āœļø ⁠Enter the Teacher Appreciation Giveawayā šŸ’µ ⁠Start your free budget today. Download the EveryDollar app! šŸ˜ļøĀ ā ā Find a Ramsey Trusted Real Estate Agent⁠ šŸŽŸļø ⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠ Connect with our Sponsors: šŸ›’ Stop paying more and start shopping smarter at ⁠Aldi⁠ 🌱 Get 10% off your first month of⁠ BetterHelp⁠ šŸ“±Go to ⁠Boost Mobile⁠ to switch today! šŸ„ Learn more about⁠ Christian Healthcare Ministries⁠ šŸ” Get started today with⁠ Churchill Mortgage⁠ šŸ”’ Get 20% off when you join ⁠DeleteMe⁠ šŸ¦ Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle! šŸ„— Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY ⛨ Find top Health Insurance Plans at ⁠Health Trust Financial⁠ šŸ’ø To find out more about student loan refinancing, check out⁠ Laurel Road⁠ šŸ’» Visit⁠ NetSuite⁠ today to learn more šŸ—‚ļø Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠ šŸ’µ Learn more about ⁠Timothy Plan⁠ šŸ› Get started with ⁠YRefy⁠ or call 844-2-RAMSEY šŸ” Visit⁠ Zander Insurance⁠ for your free instant quote today!Ā  Explore more from Ramsey Network: šŸ’ø ⁠The Ramsey Show Highlights⁠ 🧠 ⁠The Dr. John Delony Show⁠ šŸø ⁠Smart Money Happy Hour⁠ šŸ’” ⁠The Rachel Cruze Show⁠ šŸ’° ⁠George Kamel⁠ šŸŖ‘ ⁠Front Row Seat with Ken Coleman⁠ šŸ“ˆ ⁠EntreLeadership⁠ ⁠Ramsey Solutions Privacy Policy⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Audio
Transcription

Full Episode

0.229 - 22.754 Dave Ramsey

Hey guys, Dave Ramsey here. Me and Dr. John Deloney are coming to a city near you on the Money and Relationships Tour. It's happening soon, so don't wait. Get your tickets at ramseysolutions.com slash tour. Brought to you by the EveryDollar app. Start budgeting for free today.

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33.377 - 59.23 Dave Ramsey

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I'm Dave Ramsey, your host, Rachel Cruz, Ramsey personality, number one best-selling author, host of The Rachel Cruz Show, and co-host of Smart Money Happy Hour on the Ramsey Networks. And my daughter, she's my co-host today.

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59.67 - 88.806 Dave Ramsey

Open phones here at 888-825-5225. Before we dive into the callers, I've got to do a correction that I screwed up on. I do this every so often. I've been doing talk radio 15 hours a week and podcast-type stuff for... yeah, uh, 34 years now. And so you can add up that number of hours. And in that number of hours, I have done some stupid butt stuff in my life, but it's, you can't take it back.

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88.846 - 107.515 Dave Ramsey

It goes over the airwaves. It's gone. This was not on this show. My friend, Sean Ryan has one of the top podcasts in the world and, uh, is here in our community and was nice enough to have me as a guest on. And we did a long form interview there. I think it's like three hours and 43 minutes, which is more Dave than anybody should get, but you can get it if you want to go listen to Sean Ryan.

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108.396 - 122.707 Dave Ramsey

And it was very popular. We've had, he's had, it's one of his top shows. I was talking to him last night about, as a matter of fact, and it's one of the, it's the numbers on it are absolutely astronomical. And then I get a letter from, That I had messed up something on the thing.

122.947 - 123.248 Rachel Cruze

Oh, no.

123.428 - 129.332 Dave Ramsey

And 99% of the time when I get a letter like that, I just look at it and I go, yeah, throw it away. But this one I screwed up.

129.492 - 130.513 Rachel Cruze

Oh, I can't wait to hear.

130.533 - 140.841 Dave Ramsey

This is great. Yeah. So I got fired when I was 22 years old. And I tell the story often and I very seldom, if ever, tell the name of the company. But I told the name of the company.

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