🔗 Share the Ramsey 101 Playlist! Ken Coleman and Jade Warshaw answer your questions and discuss: "Should there be a cap on credit card spending or is it not necessary as long as 15% is saved?" "I sold my home and cashed out my retirement. I still have $63,000 in credit card debt and no way to pay it off" "How do we get ahead while living paycheck-to-paycheck?" "My girlfriend hasn't paid me back the money I loaned her," "My husband entered into a debt consolidation program without me. Is there a way for us to get out of this?" "I leased a car and now owe $50,000 in mileage fees. I'm trying to settle with them but they won't send anything in writing" "My girlfriend is pressuring me to buy a house, should I listen to her?" "Is it okay to encourage my wife's family to sell their property?" "My fiancée and I make less than $1,500 month, how do we get by with so little income?" 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. 📱 Download the free Ramsey Network app! 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 🛡️Protect yourself with the right coverage—take our coverage quiz! 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home. ❤️🩹 Get trusted insurance coverage that fits your budget. 📈 For help with investing, get connected with a SmartVestor Pro. 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 Use code RAMSEY to save 20% at Mama Bear Legal Forms 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 is a paid, non-client promoter of SmartVestor Pros. Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
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This is the Ramsey Show, where America hangs out to have a conversation about their money, about their profession, and about their relationships. The phone number to jump in is 888-825-5225. 888-825-5225. alongside the fabulous Jade Warshaw. I am Ken Coleman, and we're here to help you.
Jade's going to help you save money, and I want to help you make some money as we work together to coach you up today. We started off with Taylor in New Orleans, as I like to say, Nolens. Taylor, how can we help?
Hey, good afternoon. Thank you all for having me on. You bet. As I said, my name's Taylor. I'm married. I have three children. I have a five-year-old, three, and a one-year-old. My wife and I would like to get some help and some advice from y'all in regards to our budgeting.
I wouldn't so much say that we have a money problem, but I would say that we have a problem agreeing on what to do with our money. And I think Dave said it before. I think one of us could be considered more of a spender, whereas the other could be considered more of a saver.
Let me guess, you're the saver. That's my guess as well.
Right. Trying to find a happy medium so that we can both be happy, enjoy life while also saving. And more importantly, I just possibly don't want to work forever. I'm happy to elaborate on that from here.
Well, let's get right to the problem. Where are we not on the same page?
It'd be with regard to spending, specifically credit card spending per month.
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