📈 Are you on track with the Baby Steps? Get a Free Personalized Plan ✅ Help us make the show better by taking this short survey! While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite Dave and Ken calls from 2024. Enjoy your week and we'll be back with a live show soon! Dave Ramsey & Ken Coleman answer your questions and discuss: ‘I feel discouraged about money' 'Husband's union might go on strike soon.’ ‘I can't get caught up on my bills’ ‘My ARM is resetting soon, what can I do?' ‘Is it smart to get into an AirBnB?’ 'Preparing for my wife to possibly lose her job' Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 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 ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 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! 💵 Start your free budget today. Download the EveryDollar app! 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 🎟️ EntreLeadership Summit: The Best Leadership Conference of 2025. 💰 Don’t pay extra for simple tax filing needs. File your taxes with 100% accurate software that’s 20% of the price 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
Full Episode
Hey guys, it's James Childs, producer of The Ramsey Show. Hey, this week Dave and the personalities are living it up on the Ramsey Cruise, so we've put together a compilation of some of our favorite calls and segments from the last year. Regular shows are back next week. Hope you enjoy.
Live from the headquarters of Ramsey Solutions, it's The Ramsey Show. We help people build wealth, do work that they love, and create actual amazing relationships. Ken Coleman, number one best-selling author of the book Paycheck to Purpose, host of The Ken Coleman Show, Ramsey Personality, is my co-host today. Thank you for joining us, America. The phone number is 888-825-5225.
Clayton is in Little Rock, Arkansas. Hey, Clayton, welcome to The Ramsey Show.
Hey, sir. How are you guys?
Better than we deserve, brother. What's up?
Awesome, man. Well, you know, first of all, I just want to say it really is an honor to speak to you guys. I'm a huge fan of the show. I've watched countless YouTube clips, et cetera, and I think you guys are out there changing lives, so I want to start off with that.
Well, thank you, sir. How can we help you today?
Absolutely. Well, you know, I'll kind of start from a broad overview, and I'll kind of break it down if that's okay with you. Just, you know, my broad overview question, Dave, is really just how not to get discouraged in the wealth building process. I'll give you some background information. I'm 27 years old. My wife is 30. We have a combined net worth of around probably $200,000 or so. Wow.
It's right there on my number. Thank you. And I make about $58,000, $60,000 on my primary job, and I do a side hustle. But total, I make around 80 to 90, kind of depending on the year. And my wife makes around 72. The only thing that we owe on is our home. We both have MBA degrees. We have no consumer debt, no car loans, anything like that.
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