
π Are you on track with the Baby Steps? Get a Free Personalized Plan π± Watch the full episode for free in the Ramsey Network app. Dave Ramsey and John Delony answer your questions and discuss: "How do I teach an 18-year-old to budget when they are surrounded by wealth?" "I was the beneficiary of a life insurance payout. My family is now telling me I have to share" "How do I pay off an engagement ring that I bought with a credit card?" "My wife consistently overdrafts her bank account. How do I deal with this?" "Should I prioritize building my emergency fund over retirement savings and paying off my home?". Next Steps: β Help us make the show better by taking this short survey! π Have a question for the show? Call 888-825-5225 weekdays from 2β5 p.m. ET or send us an email.Β π΅ Start your free budget today. Download the EveryDollar app! πΌ EntreLeadership Summit: The Best Leadership Conference of 2025 ποΈ Dave Ramsey and John Delony are going on tour this month! Get tickets today π Get your copy of Build a Business You Love today ποΈΒ Find a Ramsey Trusted Real Estate Agent Connect with our Sponsors: π Stop paying more and start shopping smarter at Aldi π± Get 10% off your first month of BetterHelp π±Go to Boost Mobile to switch today! π₯ Learn more about Christian Healthcare Ministries π‘ Get started today with Churchill Mortgage π Get 20% off when you join DeleteMe π¦ Go to FAIRWINDS Credit Union for an exclusive account bundle! π₯ Save 15% on your first Field of Greens order with code RAMSEY β¨ Find top Health Insurance Plans at Health Trust Financial πΈ To find out more about student loan refinancing, check out Laurel Road π» Visit NetSuite today to learn more ποΈ Use promo code RAMSEY for 18% off at The Nokbox π₯ Get your tickets for The Chosen Season 5! π΅ Learn more about Timothy Plan π Get started with YRefy or call 844-2-RAMSEY π Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: πΈ The Ramsey Show Highlights π§ The Dr. John Delony Show πΈ Smart Money Happy Hour π‘ The Rachel Cruze Show π° George Kamel πͺ Front Row Seat with Ken Coleman π EntreLeadership 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 ramseysolutions.com slash tour. Brought to you by the EveryDollar app. Start budgeting for free today. 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, host of the Dr. John Deloney Show and number one best-selling author. He's my co-host today. Open phones here at 888-825-5225. Heather's in Fairfax, Virginia. Hi, Heather. How are you? Hi.
Good, thank you. How are you?
Better than I deserve. What's up?
Well, I'm just wondering if there is any way or hope to get an 18-year-old to budget when they are surrounded by wealth and not limited by regular constraints. They have no debt. They're not paying for college. They're not paying for cars.
Who's 18-year-old?
My 18-year-old.
So you put some givens in there of which you control all of them.
I don't. Her family, the in-laws will give her money whenever she asks. She knows this. We homeschooled her, and she was taught very good values about money and morals, but then in high school, we allowed her to go into a high school. a brick and mortar where people will drive a different car to school every day just to show off their wealth.
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