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The Ramsey Show

It’s Time to Stop Surviving and Start Taking Control

Thu, 10 Apr 2025

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πŸ“ˆ 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. 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: 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’΅ Sign up for a free training with our EveryDollar team! 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you 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. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

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Transcription

How can I pay off $65k in credit card debt?

12:18 - 12:38 Ken Coleman

And I give her about a 24 to 48 hour notice so that she's not going to go in the account to do any kind of maintenance or whatever. And it's pretty simple. And so then she does the old, oh, you shouldn't do that, that kind of deal. Of course, she loves it. And so when it's a large expenditure, that's how I handle it. If it's smaller, same kind of deal.

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12:38 - 12:46 Ken Coleman

I might just say, hey, I'm pulling it from here or whatever. But you can do that, and it's just communication. What would you add to that?

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12:46 - 12:52 Rachel Cruze

Yeah, no, that's good. I think we do that now more so is just the like, hey, just don't look for a few days.

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12:52 - 12:52 Ken Coleman

Yeah.

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00:00 - 00:00 Rachel Cruze

And if you know a big anniversary is coming or a birthday, it's assumed that, yes, a gift is going to be bought. So back in the day, we would get Visa gift cards from like Target or something. So you're like, yeah, I'm buying, you know, we're spending, you know, whatever, $100, $200, whatever the price is.

00:00 - 00:00 Rachel Cruze

And you don't know where it's being spent, but you know, yes, a certain amount of money is being spent. And then, which I know not everyone has this, Joshua, but twice, two big purchases happened. I did concert tickets one time, and then he bought me a ring. But I had my mom buy the concert tickets, and I was like, I'll just pay you back so he doesn't see.

00:00 - 00:00 Ken Coleman

Ah, now she has never done it. That's a great point.

00:00 - 00:00 Rachel Cruze

And then, yes, the ring, which the friend was very generous of buying. How about that? And then Winston just Venmo'd him after.

00:00 - 00:00 Ken Coleman

That's brilliant.

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