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The Ramsey Show

Don’t Let Your Present Circumstances Define Your Future

04 Dec 2024

Description

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I learn to manage money?" "My abusive ex took loans out in my name," "Should I be ashamed for living in a motor home?" "How do I help a friend with their extreme debt?" "Can I afford a $80K Tesla?" 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 💤 Visit Helix Sleep for special offers! 🗂️ 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 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🛒 Shop weeklong Cyber Monday deals starting at $10!  🏠 Get organized and prepared to buy or sell a home.  💵 Start your free budget today. Download the EveryDollar app! 🎁 Cyber Monday Extended Deals as low as $8 🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! 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 💼 The Ken Coleman Show 📈 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

Audio
Transcription

Full Episode

15.856 - 45.821 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, number one best-selling author and host of The Ken Coleman Show, is my co-host today. Open phones at 888-825-5225. You jump in, we'll talk. Adeline is with us in Youngstown, Ohio.

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46.302 - 51.066 Dave Ramsey

Hi, Adeline, how are you? Hi, I'm doing good. Good, what's up? Thank you.

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52.799 - 80.806 Ken Coleman

So I'm a 21-year-old girl. I'm not planning to go to college anytime here soon. And I recently started getting all my money. My dad would get my money before because, you know, take care of expenses and stuff. And I thought I knew how to manage money pretty good, but it turns out I don't. So basically, my question is, what should I, as a 21-year-old, be doing to build wealth at this point?

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80.826 - 84.068 Ken Coleman

I have about $6,000 saved, and yeah.

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85.61 - 86.29 Dave Ramsey

And you're working?

86.43 - 94.537 Ken Coleman

I have a car. Yes, I work four days a week, 15-hour-a-day job.

95.257 - 95.698 Dave Ramsey

What do you do?

97.839 - 100.261 Ken Coleman

I work for my brother at his apple orchard.

101.822 - 102.423 Dave Ramsey

So what do you make?

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