Ken Coleman & George Kamel answer your questions and discuss: "15% to retirement is too much for our budget," "How do I pay my bills after losing my job?" "What's the best way to combine finances?" "How do we get started investing without risk?" "What should I do with money from a lawsuit?" "We disagree about our rental property..." "Should I focus on pay or finding my calling?" "What's the best way to tackle my student loans?" "Should I sell my car?" "Should I buy rental property with my family?" "Does funding asbestos removal count as an emergency?" "Would it be smart to sell our house?" "How do I budget for unexpected issues?" "Should I buy my parents' house?" "What's my next step to find my dream job?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss: Why combining money before you get married is a bad idea "Is my wife a princess for not wanting to work?" "Preparing to take on my girlfriend's debt?" "Am I being too stingy with vacations?" (Yes) "My lifestyle is completely unsustainable..." "Am I being irresponsible?" "Buy a home if it will double my housing cost?" "What should I do with my increased income?" "Can I use my emergency fund for daughter's quinceañera?" "How do I get ahead when my income is so low?" "Should I keep my whole life insurance?" "Should I move out of my parents' house?" "Sell rentals and primary to buy our dream home?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature DreamCloud Zander Insurance BetterHelp Neighborly Start your EveryDollar Free Account today: Click Here Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only!: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss: "Should I pull from my 401(k) to pay off debt?" "What's the best way to pay off my truck?" "How should I save money for the future?" "Can we afford to stay in our current apartment?" Living paycheck-to-paycheck, "How can we fix our finances?" "Scammers are after my father, what can I do?" "We hate the house we bought," "How do I start investing?" "Should we give Christmas gifts to teachers?" "Should we pay off our house before investing?" "Pay off debt before buying more rentals?" "Should I drop my car insurance?" "Pay off debt before buying more rentals?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature BetterHelp USCCA Neighborly Protect yourself with the right coverage—Take our Coverage Quiz! Start your EveryDollar Free Account today: Click Here Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only!: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Jade Warshaw answer your questions and discuss: "Should I take out a loan from a family member?" "Should I have more than $1000 in Baby Step 1," "My parents lost their business, how can I help?" "The real truth about Christmas gifts," "How should I save for a house?" Why it's sometimes hard to make wise money decisions "I'm scared to tithe while on Baby Step 2," "I'm not happy with our affordable vacations," "My husband is about to file bankruptcy" "Should I leave my job?" "How can I best pay off debt?" "Should we cash out investments to pay off debt?" "Should we move closer to family?" "I'm $42K in debt and just lost my job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Christian Healthcare Ministries NetSuite Zander Insurance Neighborly Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss: "I don't know what I want to do while grieving," "Pay minimum payments while saving for a house?" "Should I take a commission only job?" "How do I balance my faith with pursuing wealth?" "Pay off our house before starting to invest?" "Change our budget for my seasonal job?" "Take cash from my mom with strings attached?" "Take a lower paying job or wait for a better offer?" "I bought a house and found out the seller painted over mold," "Should I stop investing to pay off my loans?" "What is the safest way to invest with family?" "Should I talk to my spouse about money?" Dealing with a rude and difficult boss. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance DreamCloud BetterHelp Neighborly Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only! Click Here Start your EveryDollar Free Account today: Click Here Sponsor a school and change a student's financial future! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & George Kamel answer your questions and discuss: "Our 23-year-old stepson doesn't want to be an adult," "I'm afraid to use life insurance to pay off debt," "How do I pay off my debt faster?" "Rebuilding my life after divorce," "Can we afford to be generous?" "I don't trust myself with money," "Pay off debt before starting the Baby Steps?" "Should we sell our house when we move?" "What should I do with money in my bank?" "Should I propose with a ring from a past relationship?" "My dad gave us a house, what's our next step?" "Should I pay off my husband's debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Churchill Mortgage Balance of Nature NetSuite Zander Insurance Neighborly Start your EveryDollar Free Account today: Click Here Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only!: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp USCCA NetSuite Zander Insurance Neighborly The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only! Click Here Start your EveryDollar Free Account today: Click Here Need help with your taxes? See who we trust: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance Balance of Nature BetterHelp Neighborly Start your EveryDollar Free Account today: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Dr. John Delony answer your questions and discuss: "My husband's drinking is affecting our money," "I can't afford the minimum payments on my debt," "How an I help my wife understand we can't afford to travel to visit family?" "Is the 15% investing rule based on gross or net?" "My house payment is half my take-home pay," Preparing to manage money after college, Helping irresponsible family with money, "Should I buy a house with my brother?" "Should I pay my girlfriend's hospital bills?" "I'm having trouble finding a side hustle," "I am recovering from a gambling addiction," "Should I take out a loan to pay off my IRS debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud BetterHelp Zander Insurance Balance of Nature Neighborly The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here Start your EveryDollar Free Account today: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Jade Warshaw answer your questions and discuss: "We have $200k in student loan debt," "Should I move back in with my parents?" "Should I get life insurance for my baby?" "Navigating social obligatons on a budget," "How can I save to pay cash for a house?" "How do I invest to create a passive income?" "Getting spouse on the same financial page," Dealing with a 9-to-5 schedule, "Should we move or pay off our home?" "Should I pay off my student loans or car first?" "What is the 25% rule for house payment?" "I am feeling overwhelmed about my finances..." "Is it okay to take out a small loan for a reliable car?" "My husband's truck is about to be repossessed" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature BetterHelp Christian Healthcare Ministries Neighborly Start your EveryDollar Free Account today: Click Here The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Dr. John Delony answer your questions and discuss: "How can I help my parents without committing financial infidelity?" "Should we cash out our investments to pay off debt?" "My husband charges me rent and utilities," "How can I help my son pay for college?" "We got divorced to protect my wife from debt," "My dad offered to pay off our house" Why we work, "How much do I put towards my side business?" "Pay off truck or save money for the baby?" "I bought a house with my ex-girlfriend" "Should I sell my car to pay off student loans?" "Is $1K really enough for an emergency fund?" "What's the best way to make a career change?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance USCCA Churchill Mortgage DreamCloud Neighborly The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here Start your EveryDollar Free Account today: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss: "How do I manage my inventory?" "I'm struggling to pay off debt even though I have the money in savings," "We disagree on what to do with extra money," "Should we live in my mother-in-law's house?" "I was in a horrible hotel and can't get a refund," "How can I best help my grandma?" All about tipping culture, read more: How to Tip in All Situations, "Our neighbors smoke a lot of weed..." "My girlfriend's family sees me as just a dollar sign," "Is it still okay for me to retire early?" "How do I pay for school to change careers?" "Should we prepay college for our 2 kids?" "My husband is worried about missing our kids while working" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Need help with your taxes? See who we trust: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: "My marriage doesn't look like I thought it would..." "Should I cash off my bitcoin to pay off my car?" "I'm tired of arguing with my husband," 15-year vs. 30-year mortgage, Paying for youth sports on a tight budget, "Should I pay off my car lease or student loans?" "What should we do after paying off our house?" How can I help my girlfriend tackle her debt? "Going through a tough divorce," "Pause the Baby Steps to prepare for a baby?" "How much should we spend on a vacation?" "My boyfriend doesn't want me to take a new job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries USCCA NetSuite Zander Insurance Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm feeling financially stuck," "How can I get rid of my car loans?" Report back from our Washington DC trip, "How can I turn $20K into passive income?" "Should I sign a six-year business lease?" "Our HOA is making changes we don't like" "Setting myself up for the future," "I feel broke because of my adult kids," "Should an emotional shopper stay out of malls?" "What should I do with money left over?" "How quickly should I pay off my house?" "How do I get out of the payday loan cycle?" "Keep paying out of pocket for school?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance BetterHelp Churchill Mortgage Neighborly Start your EveryDollar Free Account Today: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss: "Should I move closer to my job?" "I'm in the military, should I buy or rent?" "How do I position myself to take my boss's role?" "Should I be on my parents' bank account?" "How do I make traction with my finances?" "Am I asking too much of my husband?" "Should I start looking for new clients?" "Tackling debt while expecting our first kid" "Should I take out student loans the VA will refund?" "Pay off student loans or PMI first?" "How do I adjust my life after husband's passing?" "How do you do Baby Steps 4-6 all at once?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature BetterHelp Churchill Mortgage Zander Insurance Neighborly Join the Crusade at Ramsey Solutions! Apply Now! Find a Ramsey Trusted Real Estate Agent: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: "We make $300k and live paycheck-to-paycheck," "Will the US dollar become obsolete?" "How can I stay consistent with my budget?" "Our home is a money pit, what can I do?" "Pull from retirement to pay off our cars?" "My mother is running out of money," "Which debt should I pay first?" "When should I replace my vehicles?" "Should I pay off my Tesla?" "How do I prepare for retirement?" "How should I use an insurance payout?" "Should we sell our rental property?" "Should we sell a car to pay off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud NetSuite Zander Insurance Balance of Nature BetterHelp Neighborly Need help with your taxes? See who we trust. Join the Crusade! Apply Now! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss: "I won $1m in the lottery and then lost it all," "I'm about to lose my job, what should I do?" "How do I deal with house fever?" "Should I sell my sports car?" "My grandfather is leaving me his business instead of my father," "Should I leave my family's business?" "Should I pay off a larger debt first?" "Use our savings to do a mortgage recast?" "I'm worried about pausing investing," "I feel like I'm drowning in debt," "Am I a lost cause?" "I have over $2000 in car payments..." "Use savings to invest or pay off our house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance Christian Healthcare Ministries BetterHelp Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Protect yourself with the right coverage—take our coverage quiz! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss: "My mom doesn't want us to pay off our house" "Should I get a HELOC to pay off legal bills" "Do I keeping paying down debt while preparing to move" How long should I pause investing "Should I use my stocks to pay off debt" "Did I make an irresponsible decision" Rachel Cruze & Ken Coleman answer your questions and discuss: "I bought a house with my family & I can no long afford it" "How do I get my wife on board" Avoiding lifestyle drift as your income goes up "Should I sell the house my father left me" "Buying a new car so I can drive for Uber" "Negotiating past due bills" "Should we use our savings to build a second home" "How do I negotiate a major settlement" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp Balance of Nature Churchill Mortgage Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Protect yourself with the right coverage—take our coverage quiz! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Rachel Cruze answer your questions and discuss: "Should we put our mortgage in the debt snowball?" "How do we stop living paycheck to paycheck?" "Should I take on more debt to go to school?" "How do I make better money decisions?" Leaving the family business, "Should we buy a new car in Baby Step 6?" "I don't want to close my credit cards," "Should we buy a home while in the military?" "Are store specific debit cards OK to use?" "Should we sell our house?" "Is inflation really that bad?" "How do I budget with inconsistent pay?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp NetSuite Zander Insurance DreamCloud Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: "My wife is reluctant to attack her student loans," Debt is hurting my marriage, what should I do? Handling awkward money moments, "What should we do while in Baby Step 3b?" "My husband committed financial infidelity," "I'm $1.35M in debt..." "How do I get out of $70K of debt?" "Should I buy a house or invest?" "How do debt free screamers increase their income so much?" "Am I spending too much money?" "Should I pay off my student loans in full?" "What should my next steps be after losing my husband?" "I have $83K in debt and feel discouraged" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy