The Dave Ramsey Show

The Dave Ramsey Show

By: Ramsey Solutions

Rating:

4.5 (3719 ratings)

Description:

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you to manage and budget your money, get out of debt, build wealth, and live in financial peace. Managing your money properly will reduce stress, improve your marriage, and provide security for you and your family. Updated: Tue, 18 Aug 2015

Recent Episodes

Dave answers questions from across America about your life and your money. Featured Question: A small-business owner asks how to determine what she should be setting aside to pay quarterly taxes. Listen as Dave explains how to set up business accounts to plan for this expense. DEBT-FREE SCREAM:  A couple in North Carolina visits the show to share how they paid off $119,500 in less than 2 years!   Calls this Episode: I'm scared to take money out of savings to pay off my car. Can we put our tithe into a 503(b) giving fund? We're newlyweds, and I want to sell the car my wife's parents gave her, but she's not on board. Should we sell our house to pay off debt? We bought a car we can't afford, but our car seats won't fit in it! How much do you recommend I set aside to start my own bookkeeping business? Can you explain mutual funds to me?    Also Mentioned on the Show: Budgeting just got easy with EveryDollar! Never worry about money again with Financial Peace University. Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500. Find a qualified SmartVestor investing professional near you.    Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: EveryDollar: https://goo.gl/j2acMb Financial Peace University: https://goo.gl/Ui6MDT Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD SmartVestor Pro: https://goo.gl/W5QDi5

  "You need to decide what your desired future is . . . then that will tell you—almost automatically—what the the steps are to get there." — Dave   Dave answers questions from across America about your life and your money. Special Guest: Retirement expert and Ramsey Personality Chris Hogan joins Dave in studio to talk about an extensive study the Ramsey Research Team launched to figure out exactly what over 10,000 net-worth millionaires did to win with money. "Getting out of debt is the prerequisite to building wealth." — Dave  Featured Call: A 20 year-old Walmart associate asks Dave for advice because he doesn't have a clear plan for his future, but he doesn't think college is the right choice for him. MINI DAVE RANT: Dave sets the record straight on why he doesn't dance around the truth when people call him for advice: "I'm not going to participate in your insanity that's going to bring you harm. I'm going to be a truth-teller in your life because I care about you and want you to win."    Calls this Episode: I feel stuck by my debt. What can I do to get control of my money problems? Should we sell our house to help get rid of $300,000 in debt? Was it a bad idea for me to use a company car allowance to buy a Denali? Can you settle a dispute between me and my husband about whether to pay off our mortgage in Baby Step 2. Should I move my deferred comp account? What's the best way to bring up our money problems with my wife?   Want to Hear More From Chris Hogan?  Listen to The Chris Hogan Show. Read Retire Inspired: It's Not An Age; It's a Financial Number Attend the Smart Money event to see Chris in person. You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.  Watch Chris on YouTube and subscribe!     Also Mentioned on the Show: Stop being average. Start being awesome. Read START. Learn how to get out of debt with The Total Money Makeover. Never worry about money again with Financial Peace University. Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500. Get out of debt with FPU and build wealth with the Everyday Millionaires Bundle.   Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: START: https://goo.gl/Ura6EK The Total Money Makeover: https://goo.gl/jNEJM9 Financial Peace University: https://goo.gl/Ui6MDT Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD Everyday Millionaires Bundle: https://goo.gl/VwqqE6  

"Broke people make decisions based on what feels good Friday and rich people make decisions on what feels good a decade from now." — Dave   Dave answers questions from across America about your life and your money. Featured Call: A truck driver in Arkansas calls Dave frustrated because his truck keeps needing repairs and he can't get ahead. Listen as Dave helps him set aside his emotions and assess the situation logically: "100% of the time that I get desperate, right after I get desperate I get stupid."  DEBT-FREE SCREAM: A couple in Washington, D.C., calls Dave to share what motivated them to pay off $58,000 in just 2 years: "I was so tired of being scared."    Calls this Episode: I don't want to get a loan, but my truck repairs keep using my emergency fund. Is it okay for me to quit my job and start teaching cello? Should I take a second full-time job to attack my debt and save for my kid's college fund? Should I pay of debts with a higher interest rate first? How can I find tenants for my office space? Do we need to stop contributing to our 401(k) while we pay off debt? I'm tired of having student loans. Should I sell my house and live in a cheap trailer to pay them off?    Also Mentioned on the Show: Help people win with money. Become a FPU Coordinator. Never worry about money again with Financial Peace University. Make money doing what you love with Business Boutique.   Learn to get out of debt with The Total Money Makeover. Learn how to make smart decisions now to help you live your retirement dreams with Retire Inspired.   Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: Become a FPU Coordinator: https://goo.gl/zhrmcD Financial Peace University: https://goo.gl/Ui6MDT Business Boutique: https://goo.gl/aA66Pt The Total Money Makeover: https://goo.gl/jNEJM9 Retire Inspired: https://goo.gl/LL1RMU

"I've been buying diamonds for Sharon for 35 years, and they have yet to go up in value." — Dave   Dave answers questions from across America about your life and your money. Dave on Social: Dave responds to a Twitter post about bank overdrafts. Follow @DaveRamsey on Twitter to leave your own question for Dave. Featured call: A young man in Nebraska asks if he should wait until he's paid off all his debt before he buys a ring for his fiancée. Listen as Dave gives common sense advice on how to choose a ring and how much to spend.   Calls this Episode: I need help understanding PMI percentages.  What's the first step in combining finances when I get married? Should I switch from a traditional 401(k) to a Roth IRA? What's the quickest way to get out of debt without using my savings? How do I choose which mutual fund company to go with? Can I save for an engagement ring while paying off debt?    Also Mentioned on the Show: Learn how to win money. Read The Total Money Makeover. Find a qualified investing professional with the heart of a teacher. Never worry about money again with Financial Peace University. Teach your kids the basics of money with Smart Money Smart Kids.    Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: The Total Money Makeover: https://goo.gl/jNEJM9 SmartVestor Pro: https://goo.gl/W5QDi5 Smart Money Smart Kids: https://goo.gl/DqCTQz Financial Peace University: https://goo.gl/Ui6MDT

"You have to stop saying what you FEEL like and say what you're going to do." — Anthony   Ramsey Personalities Chris Hogan and Anthony ONeal answer questions from across America about your life and your money and respond to an Instagram post from a woman who feels like she'll never be able to get all of her credit card debt paid off. Follow Dave Ramsey on Instagram to post your own question! Featured call: I financed a mattress. Should I pay half of it off before I save my full emergency fund? Listen as Chris coaches him to take responsibility for his debt: "Is that mattress comfortable?!"  Shout Out: Chris and Anthony remember Aretha Franklin.    Calls this Episode: Should I take a semester off school to pay down my student loans?  Is it better for me to use half of my bonus check to pay off a mattress I financed? We have $90,000 in debt, only make $54,000, and can't stay motivated. How should my mom invest the money she made off a home sale? Should I roll my 403(b) over to a Roth IRA? Are mutual funds or IRAs a better investment?   Want to Hear More From Chris Hogan?  Listen to The Chris Hogan Show. Read Retire Inspired: It's Not An Age; It's a Financial Number Attend the Smart Money event to see Chris in person. You Can Become an Everyday Millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.  Watch Chris on YouTube and subscribe!      Want to Hear More From Anthony ONeal?  Subscribe on YouTube: Anthony ONeal Read The Graduate Survival Guide: Five Mistakes You Can't Afford to Make in College Get The Teen Entrepreneur Toolbox: The Small Business Guide for Teens. See Anthony Live.   Also Mentioned on the Show: Learn how to win with The Total Money Makeover. Never worry about money again with Financial Peace University. Schedule a Ramsey Personality to inspire you! Find a qualified investment professional near you. Create a business plan you can put into action right away at the Business Boutique Event.   Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: The Total Money Makeover: https://goo.gl/jNEJM9 SmartVestor Pro: https://goo.gl/W5QDi5 The Chris Hogan Show: https:/goo.gl/Rc7o13 Chris's YouTube channel: http://www.youtube.com/ChrisHogan360 Retire Inspired: https:/goo.gl/LL1RMU Everyday Millionaires: https://goo.gl/Y6hgd4 See Chris Hogan at Smart Money: https:/goo.gl/gbef8X Financial Peace University: https://goo.gl/Ui6MDT The Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V The Graduate Survival Guide: https://goo.gl/PiMYjj See Anthony live: https://www.anthonyoneal.com/events/ Anthony's YouTube channel: https://www.youtube.com/anthonyoneal Ramsey Speakers Group: https://www.daveramsey.com/speakers?snid=footer.events.speakers Business Boutique Event: https://goo.gl/AMXNfq

"It sounds like maybe in the past your mom has motivated her grown children with guilt trips." — Dave   Dave answers questions from across America about your life and your money. Featured Call: A woman in Minneapolis asks whether they should set aside a separate emergency fund for family in Nicaragua who keep asking for money. Listen as Dave discusses the cultural and economic differences between America and other parts of the world, and gives practical advice on when to help and when to say no. DAVE RANT: Dave responds to a Twitter post about how to motivate your employees to care: "I don't. I hire motivated people."  Follow @DaveRamsey on Twitter to leave your own question for Dave.   Calls this Episode: How can I get my mom to be responsible with money? I'm not sure how to pay $30,000 for fertility treatments. Should we say no to family asking for money? Is it smart to participate in student loan forgiveness programs? Should I sell my car or keep it and pay it off? When should I give up fighting for my mom's estate?    Also Mentioned on the Show: Never worry about money again with Financial Peace University. Develop healthy relationship with clear boundaries. Read Boundaries by Dr. Henry Cloud. Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500. Decide to live smarter at the Smart Conference.    Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: Financial Peace University: https://goo.gl/Ui6MDT Smart Conference: https://goo.gl/FaeVAg Boundaries: https://goo.gl/XXS2Z3 Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD

"Anyone can win. There's an element of taking personal responsibility . . . " — Dave   Dave answers questions from across America about your life and your money. Retirement expert Chris Hogan and Dave chat about what it's like to live paycheck to paycheck and how anyone can turn it around and become a millionaire: "Debt is a thief. It steals from your now, but it also steals from your later." — Chris Hogan   Calls this Episode: A homeless man calls Dave to thank him for giving him HOPE. I'm losing my job. Should I start a business? Should I pay down my wife's student loan debt? Are prepaid debit cards a smart tool for kids? What's the best way to pay off the house early? How can I get my job application noticed?    Also Mentioned on the Show: Learn how to win with The Total Money Makeover. Never worry about money again with Financial Peace University.   Want to Hear More From Chris Hogan?  Listen to The Chris Hogan Show. Read Retire Inspired: It's Not An Age; It's a Financial Number Attend the Smart Money event to see Chris in person. You CAN become an everyday millionaire. Read Everyday Millionaires to learn how to create a solid plan for your money.    Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: The Total Money Makeover: https://goo.gl/jNEJM9 Everyday Millionaires: https://goo.gl/Y6hgd4 Financial Peace University: https://goo.gl/Ui6MDT

Ramsey Personalities Ken Coleman and Christy Wright answer questions across America about career and business. Featured call: A teacher wants to start a business that will enable him to hire his graduating students but doesn't know where to start. Listen as Christy gives him practical advice on what steps to take toward a solid business plan.   Calls this Episode: My husband feels stuck in his job of 12 years. What should he do to get hired at another company? How do I recover after a failed business attempt? My wife used credit cards to start a business and it's not profitable. What's the best way to start a business? I think I made a mistake quitting my job to go into business with my father. What questions should I ask during an interview?   Want to Hear More From Ken Coleman?  The Ken Coleman Show: Get practical life advice and discover the role you were born to play. Read One Question: Life-Changing Answers from Today's Leading Voices. Applying for a job? Get Ken's FREE resume guide.   Want to Hear More From Christy Wright?  Listen to Christy Wright's Business Boutique Podcast Read Business Boutique, A Woman's Guide to Making Money Doing What She Loves See Christy in person at the Business Boutique Event.   Also Mentioned on the Show: Budgeting just got easy with EveryDollar. Never worry about money again with Financial Peace University. Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.    Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: EveryDollar: https://goo.gl/j2acMb Business Boutique: https://goo.gl/mRV9TB  Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD Financial Peace University: https://goo.gl/Ui6MDT

"Student loan debt is not bankrupt-able." — Dave   Dave answers questions from across America about your life and your money and gives his advice on choosing a home. Featured call: A young lady in Texas is barely making it on only $19,000 and is overwhelmed by the amount of debt she has. Dave gives specific advice on how to take control of her situation without declaring bankruptcy: "You really don't have a debt problem. You have an income problem." Social Media: Dave is asked whether he gets tired of asking the same questions over and over. Listen to his honest reply and visit Dave's Facebook page to leave your own question for Dave.   Calls this Episode: Should I declare bankruptcy? How do I handle suing my ex for being in contempt of court? What should I do with an insurance settlement? Should I pay off my rental property or sell it? Is investing in a franchise a smart idea?    Also Mentioned on the Show: Never worry about money again with Financial Peace University. Find out how you CAN become a millionaire. Read Everyday Millionaires.  Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: Financial Peace University: https://goo.gl/Ui6MDT Everyday Millionaires: https://goo.gl/Y6hgd4

"The word 'deferment,' y'all—all you're doing is delaying the inevitable." — Chris Hogan   Ramsey Personalities Chris Hogan and Anthony ONeal answer questions about your life and your money. Featured call: A man with over $200,000 in student loans asks if it's okay to start investing for retirement before paying off the debt. Chris and Anthony discuss the best way to attack loans and why you shouldn't keep putting it off with student loan deferment.   Want to Hear More From Chris Hogan?  Listen to The Chris Hogan Show. Read Retire Inspired, It's Not An Age. It's a Financial Number Attend the Smart Money event to see Chris in person. You can become an everyday millionaire! Read Everyday Millionaires to learn how to create a solid plan for your money.     Want to Hear More From Anthony ONeal?  Subscribe on YouTube: Anthony ONeal Read The Graduate Survival Guide: Five Mistakes You Can't Afford to Make In College Get The Teen Entrepreneur Toolbox: The Small Business Guide for Teens. See Anthony Live.   Calls this Episode: Should we pay off our student loans before saving for retirement? What should I do with the $125K I've saved? Is it wise for us to sell our house and downsize? How do I start over financially as a single mom? What's the best way to pay my bills on a tight budget? Should I take out a loan for nursing school?    Also Mentioned on the Show: Learn the Baby Steps with The Total Money Makeover. Don't let your money be lazy. Make it work for you with a SmartVestor Pro. Let Christy Wright help you learn to make money doing what you love starting or growing your small business. Never worry about money again with Financial Peace University. Enter the Millionaire Kickstarter Giveaway for a chance to win $5,500.   Thanks for listening!   Using Google Play? Here are links to the resources mentioned above: The Total Money Makeover: https://goo.gl/jNEJM9 SmartVestor Pro: https://goo.gl/W5QDi5 Everyday Millionaires: https://goo.gl/Y6hgd4 Millionaire Kickstarter Giveaway: https://goo.gl/LQ18pD Financial Peace University: https://goo.gl/Ui6MDT Retire Inspired: https://goo.gl/LL1RMU Anthony's YouTube Channel: https://www.youtube.com/anthonyoneal The Graduate Survival Guide: https://goo.gl/PiMYjj The Teen Entrepreneur Toolbox: https://goo.gl/8gZf3V Smart Money: https://goo.gl/gbef8X The Chris Hogan Show: https://goo.gl/Rc7o13 See Anthony Live: https://www.anthonyoneal.com/events/ Christy Wright's Business Boutique: https://goo.gl/mRV9TB