📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. While we are out for Good Friday, we've compiled some of our favorite Rachel and John calls from 2024. Enjoy the long weekend and we'll be back with a live show on Monday! Rachel Cruze & John Delony answer your questions and discuss: ‘My parents are threatening to kick me out?’ 'My girlfriend moved in but doesn't have a job’ ‘I took my brother's job after he got fired.’ ‘Why am I jealous of other people's income?' ‘Living paycheck-to-paycheck making $300K’ ‘I can't afford rent, what can I do?’ 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 2–5 p.m. ET or send us an email. 💵 Start your free budget today. Download the EveryDollar app! 🛒 Get your copy of Build a Business You Love today 🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today Connect with 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! Explore 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. Visit megaphone.fm/adchoices
Chapter 1: Who are the hosts and what is the purpose of this episode?
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 amazing relationships. I am Rachel Cruz, hosting this hour with my good friend and best-selling author, Dr. John Deloney. And we are answering your questions about life, money, relationships, career, anything. and everything.
So give us a call at 888-825-5225. All right, we're going to go to the phones and is it Torin from Boston? Hey, welcome to the show.
Chapter 2: What should I do if my parents threaten to kick me out over college choices?
Hey guys, thank you guys for taking my call.
Absolutely. Is it Torin? Did I get that right?
Yep, that's perfect.
Awesome. What's up?
Uh, so I'm an 18 year old and I'm a senior in high school this year. And I wanted pretty much advice on what to tell my parents about college. I've been watching you guys for a while now. And, uh, I know the biggest thing was, you know, don't go into debt. Don't take out loans. If you can try and cashflow it. So I figured I would want to go to a cheaper school. I was in Massachusetts.
So it's a community college is free. So I figured I would go there and I could transfer to a state school where, uh, it's an a hundred percent acceptance rate after out of the community college I want to go to. And, um, My parents were very against this idea. They wanted me to go play a sport in college and go to a private university. They told me, like, that doesn't matter.
And, yeah, I just wanted to make sure I was making the right decision because they don't agree with it. Are they paying for it? No, they're not paying for it.
Yeah, they don't get a vote then.
I brought that up, but they said they're going to be kicking me out. They'll also pay for housing. They'll also, like, take the car and my phone away.
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Chapter 3: How can I handle a girlfriend who moved in but doesn't contribute financially?
You know, we jumped the gun on that. I do agree. But the situation did also call for it. Her grandmother had the downsides and she was on Social Security.
Well, I mean, it is what it is. I'm not trying to be judgy. I'm just saying she's got a cush situation. And so she's right to say, I don't have to because she doesn't.
You're still, you're not going to kick her out. I lived with my mother a couple years ago, but I decided I wanted more for myself. That's right.
So, Chris, does this change from a relationship standpoint?
That's the problem.
Yeah, and this is, I mean, call me old school. This is where the complication happens when you act like you're married and you're not, right? And you're moving in together, right, and all of it. This is what ends up happening, that it's not as easy as like, oh, I found this kind of thing about... This may be a deal breaker, but I need to figure it out on a couple more Hangouts.
Now I'm going to call it quits. Now it's much harder to call it quits when she's living there, right? This is part of that complication. So does it... Does it give you, as the kids would call it, a beige flag or a red flag when it comes to, like, her work ethic and who she is? Like, are you starting to see other parts of her that concern you for a long-term relationship?
Well, the thing is I see myself in her from a few years ago. So I was, you know, in the same situation with my mom, but I had that realization that Unfortunately, I don't know how to help her come to that point.
So as two old married people will tell you, you can't.
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Chapter 4: How do I navigate family conflict after taking my brother’s job?
How much does she make?
Um, I'm not sure exactly. I think, I think I went over it with her one time.
Okay.
How much does she, how much difference does she need?
Does she like, how much are you covering the bills in the house?
I'm contributing about, it was about $1,500 that I was paying off some debt on the water bill. And then now it's like to about 1300. I pay some of rent. I buy all of our food and I cover the water.
Is she, does she have other struggles, Max?
No, I mean, I think... Like with addiction or with mental health challenges? No, I don't... Sorry, what was that? I'm asking, does she have... No, not with addiction or mental health.
Okay, so why have you become the caretaker of your mom?
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Chapter 5: How can I stop being jealous of my siblings' and in-laws' income?
But when you say, no, we're putting the phones away, we're doing family game night and we're gonna do this stupid game that's so silly, but everyone ends up laughing, right? You just do these things and they don't have to be expensive. I mean, gosh, it was last break before the summer though, I think it was spring.
And we took all the kids and we went to a local high school, like parking lot randomly with bikes. And they still talk about it. Like, do you remember we were at bikes in a parking lot? And I was like, you ride bikes all the time. But it was like this, like, I don't know. It was so like, it was so small and insignificant, but to them, right.
It brought this like other magic of like this new place or whatever it was for them. But it's those things. And again, it doesn't have to cost money. You don't have to go travel to Europe to do that. Like find, find it in your home. Cause gosh, we need it. All of us. Right. Especially this time of year.
election season and everything we're just like oh my gosh give me some levity and enjoyment with the people that you love but it's recognizing levity and joy for 99% of us is a choice there are people in abusive situations yes there are people who are deep poverty yes there are people who are abjectly on the margins yes but for most of us
We go home and we look at our spouse and we choose what happens next. We choose how we respond. We choose our frustration. We choose to not pick up the trash, not put our clothes away. We choose to just watch TV, just sit there on our phones. All of those are choices. And that means we can choose something different.
Yep.
And so, Justin, I challenge you to sit down with your wife and And y'all reimagine your life. And you might end up in the exact same space, but the exercise of reimagining it, what adventures do we want to create inside of our own home, even for no money? What does that look like?
Totally.
It can rearrange everything. And write your siblings a letter, a handwritten letter.
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Chapter 6: How do I calculate retirement and plan a second career after losing a spouse?
I just know too many people in the medical profession who are dropping their kids off for college, and they still have their own student loans. It's just madness. It's madness. Those are my friends, by the way, bro. It just is. So you're not crazy. All right.
Yeah, and, Kenan, I think y'all's situation, too, it is the perfect picture of just, like, this lifestyle creep, right? I'm like, you're just a little bit here, a little bit there, out of car, going on vacation. Like, we're just making good money because you're bringing home probably, what, $28,000 a month or so?
Yeah, I mean, and it depends, too, because I can, I mean, that's with a little bit of overtime, but it's consistent.
Right, sure, yeah, yeah, but you look at that, just your monthly take home, and you're like, man, you know what I mean? Like, there's a lot you can do with it, but also, like John's saying, the normalization of like, yeah, but we could spend that. I mean, you know, it's the classic idea that your income is not the issue for most people.
It is your money habits and the way that you handle your money. And so that magnification is exactly what you guys are experiencing. So it's like, yeah, we'll get two nice cars. We'll do this. We'll get a little bit more debt. And it's just payment, payment, payment, payment, payment, payment. So a lot of this income is going to these payments. So clearing all of it up, I think is key.
And I think you and your wife sitting down just as an experiment and and just say, what if we made $100,000? Which, again, is above the average household income that is $80,000.
Nobody's starving.
So even more of a fun exercise, just put $80,000 and say, okay, if we brought in $80,000 a year, what it comes out to per month How can we live on that? Like live on that. And then extra from that of what you actually bring in is going to be thrown into debt or whatever it looks like.
But just, you know, I think it's always a fun experiment for married couples to sit down and do this, like play the income game and just see how much can we actually if we had to do this. What would our life look like if we had to live on $60,000 a year, on $50,000 a year, on $70,000 a year? And then the great thing about UCAN is that's not what you guys are making. So the margin is there.
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