📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Ken Coleman answer your questions and discuss: "How do I pay off $65k in credit card debt?" "How do I plan surprises for my wife?" "How do I stop living paycheck-to-paycheck?" "Was it a mistake to quit my job?" "The tariffs are hurting my business," "My wife hasn't filed her taxes in 3 years," Support Our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 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 ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Sign up for a free training with our EveryDollar team! 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you 🛒 Preorder Build a Business You Love Now at Ramsey Solutions 🤓 File your taxes with 100% accurate software that’s 20% of the price. Listen to more from Ramsey Network 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 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, 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 ramsaysolutions.com slash tour. 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 ramsaysolutions.com slash tour.
This is The Ramsey Show, where America hangs out to have a conversation about your money, your profession, and your relationships. The phone number is 888-825-5225. 888-825-5225. My co-host, my dear friend Rachel Cruz, is alongside. She'll lead out on how to save, how to spend that money, and I'm going to help you on how to make more money. It's a great combo. We'd love to hear from you.
Antonio starts us off in Jacksonville. Antonio, how can we help today?
Hey, good afternoon. Thanks for taking my call.
You bet.
What's going on? Yes, I was just calling. I'm My name's Antonio Owens. I'm from Jacksonville, Florida. I'm 25 years old, and I have a lot of debt, and I'm basically trying to figure out what's the best way to tackle that and overcome it.
um you know from credit cards cars and i'm in a situation where i was thinking about purchasing a house um but i don't think that is the best financial decision so i just want to see if you guys can help me out with that we agree uh let's get you out of debt first so walk rachel through your debt go smallest to largest for us Okay. Yeah, so go on small to largest.
So I have six credit cards totaling to about $65,000 in total credit card debt. With the smallest minimum monthly payment, roughly about $51 a month. Then the next credit card is about $123 a month. The next three are all about $10,000 a piece, and they're about $200 a month. That you owe on them? The last three?
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