📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Listen to the full episode for free in the Ramsey Network app. Jade Warshaw & Dr. John Delony answer your questions and discuss: You can decide to change your life TODAY! “Our medical bills keep us from moving forward in the baby steps” “My boyfriend doesn’t share in my financial goals” “Is work/life balance a real thing?” Is a high-yield savings account the best place for your money? “I haven’t paid my credit card debt in 13 years!” Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp ◎ Get 10% off Byrna product bundles and more! 🏥 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 💸 Learn more about opening a high-yield savings account with 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! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Get organized and prepared to buy or sell a home. 🎆 The New Year's Sale is on! Save big with deals to help you reach your goals. 💵 Start your free budget today. Download the EveryDollar app! 🎟️ Get Tickets to the Money & Relationships Tour 🏘️ Free Tools & Resources to Reach Your Home Goals Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 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
Chapter 1: How can I change my life today?
From the Ramsey Network, it's the Ramsey Show. Hey, it's good to be back with you guys. I'm Jade Warshaw. Next to me is my buddy, Dr. John Deloney. We're hooking you up with answers all hour long. So give us your call. The number is 888-825-5225. Hey, it's a new year, John. We're back. Let's get into it. I'm so excited. I don't know what to do. I haven't hosted the show in a little bit.
So I'm excited to get into some calls and help the people, John.
Off the rails on a crazy train. Let's go.
All right. We got Miriam. She's in Phoenix, Arizona. What's going on, Miriam?
Hi. Good day. It's Mariam.
Mariam. All right.
Thanks for the correction. My bad.
Love it.
It's okay. It's okay. It's Arabic. Yes. So just quickly. Barbara chapter, I will move from the South. I'm a Southern gal, um, moved from the South, um, June of 2024 out here to Phoenix.
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Chapter 2: What should I do about medical debt?
Tell us so that we can understand.
Yeah, what's the question?
Yes, the question is about, because it's about a car. So I realized before I had the EveryDollar app, I am here. I'm pushing the movement. I really am. Like, I believe in it, right? Because I was not aware that I was basically spending nearly $700 on Ubers and Lyft to get to work. Okay. And I was like, okay, so I'm paying for a car that I don't have. I was like, this is insane.
I was like, okay, I have to take public transit. I have to take the bus.
I have to take the rail, which is really good, right? Get to the question so we can actually help you.
Okay. when is it appropriate to use a loan because I know you can get a loan for buying a house, but I hear y'all, you know, you're, you tout. Mario.
Wait a second. Well, let me answer the question for you. It's never, I'm going to say that it's not ever going to be appropriate to do a loan on this show. We're never going to tell you to go into debt. And the reason for it is because you can already sense the reason why you've got 98,000, a student loan debt, 60,000 in consumer debt, 19,000 that you're paying off on land.
I don't have to tell you the reason. The reason is it is a shackle on your life. It is.
It's about a vehicle.
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Chapter 3: How do I handle financial disagreements in a relationship?
So I'm just stuck on, I'm just worried, you know, I think finances are super important for the future and I, I just worry. So any advice would be helpful.
Amanda, tell me if I'm wrong, but it sounds like you have your answer. It just is a really tough pill to swallow.
It is.
It is very tough. There's nothing worse than a decision, especially when it comes to a relationship, whether it's a romantic relationship or a family relationship between you and your mom or your dad or a work relationship where the right thing hurts, but that doesn't make it the wrong thing, right?
right so i would say like man good on good on your boyfriend for feeling a sense of of i'm going to take care of my mom she's going to live with us that's going to be part of our life and you as his like if you're talking about the future you get to decide it's just the life i want to sign up for or not and i don't think i don't think it makes you a bad person but it makes you like there's going to be a value a value misalignment and then when it comes to money
I mean, you are getting a ringside seat to the rest of your life. And it won't just be about money. It will be about what size house you're going to buy. And then how many kids you're going to have. And do we spank our kids or don't spank our kids? And do we eat organic foods or not? And peanut allergies aren't real. Like, that's going to be the rest of your life.
I care less right now in your situation a year into dating a... I care less about whether y'all are completely aligned with money yet. I care more, can you say, hey, this really matters to me? This is important. And the person you're considering spending the rest of your life with says, I want to hear more about what you say is really important to you.
They don't go to, like you said, World War III. You get what I'm saying?
Well, I have a question. I'm going to make an observation. John, correct me if I'm wrong. I've been married for 18 years. The times... I don't know that there's ever been a time that Sam and I have been at a complete impasse. I 100% am not going to act on or move towards you or what you're saying in any way and vice versa. That feels... Don't get me wrong. Plenty of times we disagree.
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Chapter 4: Is work/life balance achievable?
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From the Ramsey Network, it's the Ramsey Show. Hey, we're glad to be with you. Happy New Year. I'm Jade Warshaw. Next to me is Dr. John Deloney. We're happy to be here with you guys. It's the live show, so if you want to get on, you got to get in where you fit in. Give us a call. The number's 888-825-5225. We'll get you on the line as long as you're not crazy. We got phone screeners for that.
All right, let's get into it. We got Andrea, Andrea, Andrea.
Andrea.
I'm going to say all different ways. Tell us what's the right way from Columbia, South Carolina. It's Andrea, but I answer to pretty much anything. Okay, well, I want to say it right, Andrea.
I do, too. I have some really mean friends growing up, so I answer to all the names.
I think about on The Devil Wears Prada. Is there a name, Andrea? Andrea? We watch different movies, Jade. I'm sorry. I'm sorry. Moving on.
I went to kindergarten with an Andrea, and my name is Andrea. So my kindergarten teachers taught us very early on how to – properly and kindly correct people.
Andrea. It's like auntie or auntie.
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Chapter 5: Should I use a high-yield savings account?
You could, you know, have something come in your lap that gives you the opportunity to bring in more money in some form or fashion. But if for right now that's where you are, there is a part of that where you go, OK, I have 500 extra dollars that I throw out this debt every single month and I'm going to do my part. And as long as I keep doing my part, the debt will tick down.
I am going in the right direction. And you're a single mom with four kids, one kid, special needs. You are in a season of life right now, period. And sometimes that is the case. We have people call in here all the time where they go, man, Jade, I've got three kids in daycare or I've got, you know, I'm in this season of life where just everything is expensive and there's not much I can cut.
This is where we're at. And sometimes you just have to accept, all right, that's where I'm at. As long as I'm still going forward, I may not be going at the pace that I want to go, but this is probably only temporary and I have to own where I'm at right now. John?
Helen, where's these four kids? Where's their dad?
He sees them every other weekend. Okay.
Yeah. How fresh is this divorce?
You still there?
I just lost you. You still there?
Uh-uh.
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Chapter 6: How to deal with long-term debt?
You know?
So, Jay, probably the most common question I've received over the last five years of doing the show is this, is this question, is how do I get my partner on board? In some shape or fashion, that question. I always think it's worth getting beneath the plan, the Ramsey way, getting beneath that. Right.
And except in cases of extreme pathology, somebody's not well or somebody is just a jerk or whatever. The two words that I've seen resonate the most have been the words peace and or the words freedom. And if you, Drew, watch YouTube and the light switch came on, oh, dude, I grew up in a house where my parents were stressed about money all the time and I don't want that for my life.
I'm going to become my own bank. I'm going to get an emergency fund. I'm not going to owe anybody anything. Then what you really want in your life is peace. What you really want in your life is free. Nobody will tell me and my family what we're going to do. Then you sit down with your fiance and say, what does peace look like to you? What does freedom look like to you?
And what you may find is, and I just had this conversation recently with a family that's very wealthy. They won't pay off their mortgage. And one of them said their dad, who's elderly at this point, was adamant. You never pay off your house. And it was one of those old, it was an old like rule of life, right? But it wasn't just a math problem there. It was, my dad was real successful.
But on this one thing, I'm going to have to go against my, right? So it had a lot of layers to it. And so all I have to say is freedom may look different, but y'all can, everyone wants to have that conversation about what does peace in our home feel like? And she may look at you and say, peace feels like you getting off YouTube sometimes.
Listen.
Peace feels like you're not coming at me with a new workout plan and a new money plan and a new diet plan. And that's just me as my house, right? But like a new thing every month, peace might feel like, so Drew, don't break up with her unless this is already going to happen anyway. And you have a fiance now. you're not focusing on yourself.
You're beginning to focus on the world y'all are gonna create together. And by the way, you are focusing on yourself, but y'all know what I mean. Underneath that, sit down and say, okay, say we get married a year in, what does freedom look like for us? What does peace look like for us? And by the way, sorry for just beating you over the head with my YouTube channel stuff, right?
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Chapter 7: What are the best budgeting tools?
It's you.
If I'm you today, you've got a couple pieces of homework. Number one, yeah, contact Chase and find out, say, who's holding this debt? Because they probably sold it off a long time ago and some debt collector is holding it. The next thing is gather up your money and say, okay, I may not have $8,733.
But like offer them 20% or 30% or see what you can get because you're going to be able to settle this. It's so old that you're going to be able to settle this for an amount. And when you do settle it, just make sure you get it in writing and make sure it's completely paid off, that they send you, that it's a zero balance.
And make sure that you have the money saved up for when you are ready to make that deal because they're going to want it. When you say, hey, will you make a deal? They're going to want to start that process almost immediately.
Do you have $2,500 cash?
Yes.
Okay, I would find out, I would do everything I can to find out who it is, and I'll call them and say, I'll give you $2,500 today, right now, and you're not going to give me your checking account number, never, ever, ever, but you'll put on a prepaid debit card, and you'll pay them off, and say, I'll give it to you right now if you'll settle this thing in full, and you send me something in writing today.
You send me a contract offer, $2,500 in writing right now, I'll pay it right this second, and we'll be done. They think they will never see this money. Do what?
I need to go get a prepaid credit card.
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