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The Ramsey Show

Discipline Is the Key to Building Wealth

01 Apr 2025

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πŸ“ˆΒ Are you on track with the Baby Steps? Get a Free Personalized Plan πŸ“± Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "I’m dating a man who thinks 401k investing is a scam," "How do I build wealth making $65k a year?" "What changed your mind about personal tax preparation?" "Is it crazy to turn down a job right now?" "Do I need to sell my classic car?" "My husband wants to keep our 'tax write-off' debt," Support Our Sponsors: πŸ›’ Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp πŸ“±Go to Boost Mobile to switch today! πŸ₯ Learn more about Christian Healthcare Ministries 🏑 Get started today with Churchill Mortgage πŸ”’ Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! πŸ₯— Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial πŸ’Έ To find out more about student loan refinancing, check out Laurel Road πŸ’» Visit NetSuite today to learn more πŸ—‚οΈ Use promo code RAMSEY for 18% off at The Nokbox πŸŽ₯ Get your tickets for The Chosen Season 5! πŸ’΅ Learn more about Timothy Plan πŸ› Get started with YRefy or call 844-2-RAMSEY πŸ” Visit Zander Insurance for your free instant quote today! Next Steps βœ… Help us make the show better by taking this short survey! πŸ“ž Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! πŸ’΅ Start your free budget today. Download the EveryDollar app 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you ✏️ Enter the Teacher Appreciation Giveaway πŸ›’ Preorder Build a Business You Love Now at Ramsey Solutions πŸ’° File your taxes with 100% accurate software that’s 20% of the price Listen to more from Ramsey Network πŸ’Έ The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour πŸ’‘ The Rachel Cruze Show πŸ’° George Kamel πŸͺ‘ Front Row Seat with Ken Coleman πŸ“ˆ EntreLeadership Learn more about your ad choices.Β https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Audio
Transcription

Full Episode

23.948 - 55.011 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. Ken Coleman, Ramsey personality, is my co-host today. Open phones at 888-825-5225. You jump in. We'll talk about your life and your money. Emily is in Jacksonville, Florida. Hi, Emily. How are you?

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55.031 - 58.133 Emily

Hi. How are you guys doing today?

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58.974 - 60.455 Dave Ramsey

Better than I deserve. What's up?

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61.836 - 86.599 Emily

So, quick question. I've been dating a lovely young man for about nine months, and we had a random conversation that came up about retirement savings. I'm a big saver, so I'm really into it. I have 401K and a Roth IRA, and his response was, that all that matters is working and making money now and that 401ks are a scam.

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87.6 - 99.048 Emily

And I just want to know what the best way to approach this conversation is to try to help him maybe understand the importance of saving for retirement.

100.449 - 106.373 Ken Coleman

Did you ask him why he thinks they're a scam? Was there any kind of follow-up on that particular classification of it?

107.839 - 117.256 Emily

Not necessarily. Actually, he moved here from Albania six years ago, and he just became a citizen this year. How old is he? He's 32, and I'm 30.

117.296 - 117.396 Dave Ramsey

Okay.

117.416 - 117.597 Emily

All right.

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