The Ramsey Show
The Faster You Attack Your Debt - The Faster You Achieve Financial Freedom
Wed, 28 May 2025
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Dave Ramsey and Dr. John Delony answer your questions and discuss: "My aunt is trying to steal our inheritance. Should I help my mom cover lawyer fees?" "I haven't filed taxes in 15 years, how do I apply for tax forgiveness?" "I'm $180,000 in debt. How can I clean up this mess?" "Should I go into student loan debt for a bachelor's degree?" "How much should we spend to save our dog?" 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. 📱 Watch the full episode for free in the Ramsey Network app. 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget. 👩❤️💋👨 Get tickets for Money & Marriage Getaway. 💰 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway 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 💵 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 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Chapter 1: What should I do if my family is fighting over an inheritance?
Yeah, there you go. Right. And that's my problem. Yeah.
Yeah. And so, yeah, I don't have them. I mean, you can honestly say that until you're at least at a baby step two. We don't have the money right now. We're negative. And why is it such an emergency now?
Yeah, this is weird. Erica, you smelled a rat and you're used to it. And you know more about this drama and this narrative than we do. We've only got two minutes into it and we can smell it.
You're right.
It's hard. Setting boundaries with people who don't respect boundaries 100% of the time makes the other person crazy. They go bananas. 100% of the time you get a negative reaction when you set a boundary with a boundaryless person. Your mom's not used to anybody telling her no if they happen to be in her string of the DNA. And so it's something she needs to get used to. It'll be good for her.
It's kind of sweet. This is The Ramsey Show. Hey, listen up. Everyone is at risk of identity theft. I don't care if you're a hermit living off the grid listening to the show on a battery-powered radio. All of your data, collected by every company you've ever done business with, lives online.
Your bank, your doctor's office, retailers, the apps on your phone, the gas station where you have loyalty rewards. They all store your info online, making them ripe for a cyber attack or data breach. That's why I've been telling people for almost 25 years they need an ID theft protection plan, and the only one I've ever recommended is from Zander Insurance.
They monitor your personal and financial info, even your home title, and take over the work if you become a victim. It's the most thorough and affordable plan out there. I even have it for my family and our entire team. Visit Zander.com or call 800-356-4282. Jenny's in Portland, Oregon. Hi, Jenny. Welcome to The Ramsey Show.
Thank you, Dave. I have a question about tax forgiveness. Okay. I was diagnosed with PTSD and a traumatic brain injury and got onto Social Security. Because I was homeless, someone taught me how to use one of the delivery platforms, and I was able to start working.
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Chapter 5: How can I support my family financially without going into debt?
Sign up for free at everydollar.com slash webinar. These webinars are excellent. If you really want to get control, you really want the money to behave. By the way, did I mention it's freaking free? Okay, shut up. It's free. Go watch the webinar and get yourself together. Sign up for free at everydollar.com slash webinar. Free budget trainings all this month. Good stuff.
All right, John, off air, let me give you a full lesson on property management. I can't wait. I'm just kidding. I can't wait. Wouldn't do that to my best friend. This is The Ramsey Show.
There's a time in your life and the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.
Churchill is Ramsey trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense. Now it's extra money in your pocket.
and an asset towards turning you into a Baby Steps millionaire. Get started on the American dream of home ownership today at ChurchillMortgage.com. That's ChurchillMortgage.com.
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. Dr. John Deloney, Ramsey personality, Ph.D. in counseling, number one best-selling author. He's my co-host today. Open phones at 888-825-5225. Ryan is in Seattle. Hey, Ryan, what's up?
Hey, how you doing? Thank you guys for taking my call. I appreciate that. Sure.
How can we help?
Well, I'm in a bit of a jam. I don't know how to get out of it. About three years ago, I had some parental issues that came up with my folks, and I got injured at work for about a year and a half. So I was on workers' comp payments. But I got myself into about $97,000 of credit card debt. I have a $32,000 personal loan. I have a $34,000 car loan and $18,000 in student debt.
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