The Ramsey Show
Ramsey Network
The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET
- 2 hours 18 minutesMy Husband Refuses To Work And Still Lives Off His Parents
❓Have a money question? Ask Ramsey is here to help!
Rachel Cruze and Dr. John Delony answer your questions and discuss:
- "My husband refuses to get a job, I'm worried he is going to ruin us financially"
- "I'm $350,000 in debt, should I file for bankruptcy?"
- "Should I finish Baby Step 2 before buying my home?"
- "Am I wrong to ask my daughter to pay rent and contribute to grocery costs?"
- "Should we sell our double-wide?"
- "We don't have anything saved for retirement, where do we start?"
- "My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?"
- "Our contractor keeps missing deadlines for our home addition. Should we fire him?"
Next Steps:
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🛡️ Protect yourself with trusted insurance coverage that fits your budget
📈 For help with investing, get connected with a SmartVestor Pro
💻 Need help with your taxes? See who we trust.
💵 Think you're good with money? Take our free quiz!
Connect With Our Sponsors:
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- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
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22 January 2026, 11:00 am - 2 hours 18 minutes"I've Been Doing OnlyFans For 3 Years And Want Out"
❓Have a money question? Ask Ramsey is here to help!
George Kamel and Rachel Cruze answer your questions and discuss:
- "I'm burnt out from doing OnlyFans, how do I get out of this?"
- "My mom is resentful that they are still paying my student loans. Should I take on the payments?"
- "Should I buy a house to flip in order to pay off $40,000 of debt?"
- "What is extendable term-life insurance?"
- "My husband doesn't want to pay off our debt even though we have the money to do so".
Next Steps:
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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
💵 Think you're good with money? Take our free quiz!
📲 Start your free budget today. Download the EveryDollar app!
🏠 Get organized and prepared to buy or sell a home
💻 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
21 January 2026, 11:00 am - 2 hours 19 minutesYou Don’t Get Out of Debt by Accident—Choose Your Hard
❓Have a money question? Ask Ramsey is here to help!
Ken Coleman and Jade Warshaw answer your questions and discuss:
- “I feel let down by my husband’s spending habits?”
- ”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”
- “I keep going deeper into debt because of my spending habits”
- “Our home mortgage is 40% of our income, should we refinance?”
- “How do I talk to my in-laws about the $48,000 my wife owes them?”
- “We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”
- “How are we supposed to pay $2459 for health insurance premiums?”
- “Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”
- “What’s the difference between sinking funds and recurring expenses?”
- “My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”
- “We’re $176,000 in debt, should we sell our cars?”
- “How do I pay off debt and plan for the future as a single mom?”
- “My mortgage has a balloon payment, how do I pay this off?”
Next Steps:
✔️ Help us make the show better. Please take 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.
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
🏢 Join the Crusade! Apply Now!
📲 Start your free budget today. Download the EveryDollar app!
💻 Need help with your taxes? See who we trust.
💵 Think you're good with money? Take our free quiz!
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
20 January 2026, 11:00 am - 2 hours 18 minutes"I’m 50 With No Retirement Living Paycheck-to-Paycheck"
❓Have a money question? Ask Ramsey is here to help!
Ken Coleman and George Kamel answer your questions and discuss:
- “How do I stop living paycheck to paycheck?”
- “Should we pay the student loans my mother-in-law is supposed to pay?”
- “Should we buy a home when we move to a different state?”
- “How much should we be spending on a vacation?”
- “We have a collection company coming after us for money we don’t owe. How should we handle this situation?”
- “Why won’t my wife live in an RV with me?”
- “I am under contract for a house with leased solar panels. Should I back out of this deal?”
- “Should we keep helping our daughter financially after her divorce?”
- “Should I buy a new truck or keep my old one?”
- “My husband doesn’t want to use our savings to pay off our home”
- “Can we afford a $500k house?”
- “Is my sister still responsible to make payments towards renovations on a home we co-own?”
- “How can I get out of $434,000 of debt?”
- “How fast should I be saving my fully-funded emergency fund?”
- “Should my husband change careers to make more money?”
Next Steps:
✔️ Help us make the show better. Please take 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.
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
💻 Find out where you stand with your money and get a free plan
💻 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
19 January 2026, 11:00 am - 1 hour 34 secondsTake Back Your Money in 2026
💸 Start transforming your money today with EveryDollar!
In a special bonus episode from our recent "Take Back Your Money" livestream, Dave Ramsey and Jade Warshaw show you how to take your money from chaos to clarity so you can break free from debt and completely transform your finances in 2026.
Learn more about your ad choices. Visit megaphone.fm/adchoices
17 January 2026, 11:00 am - 2 hours 18 minutesQuiet The Chaos And Solve For Peace
❓Have a money question? Ask Ramsey is here to help!
Ken Coleman and Jade Warshaw answer your questions and discuss:
- "My husband is about to go to prison for several years, how should we prepare our finances?"
- "How can I get my 19-year-old son to be responsible for his expenses?"
- "I'm 46-years-old but I still don't have my finances in order, how do I begin to get organized with my money?"
- "Are we spending too much on building our home?"
- "Should I share my inheritance with my brothers?"
- "Should I sell my car?".
Next Steps:
✔️ Help us make the show better. Please take 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.
🏠 Find a Ramsey Trusted Real Estate Agent
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Protect yourself with trusted insurance coverage that fits your budget
💻 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
16 January 2026, 11:00 am - 2 hours 18 minutes"We're In $580k Of Debt At This Point"
❓Have a money question? Ask Ramsey is here to help!
George Kamel and Rachel Cruze answer your questions and discuss:
- "Should I file for bankruptcy? "
- "How do I move on after financial and emotional infidelity?"
- "I'm retired and I have never invested my money"
- "Is it a good idea to spend money on a birthday vacation for my daughter?"
- "What happens to debt if I die before paying it off?"
- "Should I use my HELOC to pay off my other debt?"
- "My brother has been stealing money from our parents and has put them into debt. Should I tell them to file bankruptcy?"
- "Do we have too much of our wealth tied up in our home?".
Next Steps:
✔️ Help us make the show better. Please take 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.
💻 Find out where you stand with your money and get a free plan
🏢 Join the Crusade! Apply Now!
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
15 January 2026, 11:00 am - 2 hours 18 minutesThere Is Hope When Debt and Life Feel Overwhelming
❓Have a money question? Ask Ramsey is here to help!
George Kamel and Dr. John Delony answer your questions and discuss:
- "How do we deal with the $300,000 of debt my wife racked up in predatory loans?"
- "How can I get my wife to understand she needs to contribute to our finances?"
- "I took out some payday loans while having a manic episode. How do I get on the Baby Steps and get out of this situation?"
- "Should I split my retirement contributions into different accounts?"
- "My house needs repairs but I can't afford it. What should I do?"
- "How do we go about paying off our debt? ".
Next Steps:
✔️ Help us make the show better. Please take 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.
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Protect yourself with trusted insurance coverage that fits your budget
💻 Find out where you stand with your money and get a free plan
📈 What is a 529 Plan?
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
14 January 2026, 11:00 am - 2 hours 7 minutesDwelling On Past Mistakes Won't Benefit Your Future Growth
💵 Money question? We’ve got your answer. Try Ask Ramsey for free today.
Jade Warshaw and Ken Coleman answer your questions and discuss:
- "Derek: Should I file for bankruptcy?"
- "Should I cash out my 401(k) to pay off a 401(k) loan?"
- "Section 8 housing is being built across the street from my house, should we move?"
- "Should I change careers if it leads to a 40% pay cut?"
- "I owe more on my car than what it's worth, how do I get out of this situation?"
- "My sister-in-law owes me $14,000 I loaned her 7 years ago. How do I get her to finally pay me back?"
- "I want to be in a relationship but I don't ever want to get married. How should I be structuring my finances?"
- "Should I use a VA loan?".
Next Steps:
✔️ Help us make the show better. Please take 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.
🏢 Join the Crusade! Apply Now!
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
💻 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
13 January 2026, 11:00 am - 2 hours 18 minutesComfort Is The Enemy Of Progress - Attack Your Debt Now!
🤔 Think you’re good with money? Take our Money in America quiz!
George Kamel and Jade Warshaw answer your questions and discuss:
- "I cosigned a motorcycle with my ex-boyfriend and he's stopped making payments. What should I do to get out of this?"
- "How do I get my husband to acknowledge the fact that I am a partner in his business?"
- "Are health insurance alternatives a good idea?"
- "I'm 50 years-old and I need a surgery. I have nothing saved, should I pause the Baby Steps so I can afford this?"
- "My wife wants to move because of roaches, I'd rather use the money to pay off debt instead. What should we do?"
- "Should we move in with my wife's grandmother to pay off our debt faster?"
Next Steps:
✔️ Help us make the show better. Please take 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.
💵 Start your free budget today. Download the EveryDollar app!
💻 Find out where you stand with your money and get a free plan
🏠 Find a Ramsey Trusted Real Estate Agent
📘 Get your copy of What No One Tells You About Money today.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
12 January 2026, 11:00 am - 2 hours 17 minutesWisdom With Money Means Moving Slowly
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Ken Coleman answer your questions and discuss:
- “How can I make my relationship last when we don’t get along?”
- “Our house is 40% of our take home pay, should we sell?”
- “I’m worried about only having $1,000 saved when my car could break down at any point”
- “How do I untangle my wife’s business expenses from our personal expenses?”
- “I received a $450,000 inheritance, what should I do with it?”
- “Should I have my car repaired or buy a new one?”
- “How do I get out of student loans when I’m struggling to find a job? I’ve applied to over 2000″
- “Should I pull from my emergency fund or sinking fund?”
- “Should I prioritize paying off my house before I retire?”
- “Do we need more life insurance on top of what our employer provides?”
- “Should I get a mortgage so that I can avoid tax penalties?”
- “I’m 28 years old with $750,000 worth of real estate debt. How do I pay this off?”
- “Should we buy a home with my father?”
Next Steps:
✔️ Help us make the show better. Please take 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.
🏠 Get organized and prepared to buy or sell a home
💵 Start your free budget today. Download the EveryDollar app!
💻 Find out where you stand with your money and get a free plan
📘 Get your copy of What No One Tells You About Money today.
Connect With Our Sponsors:
- Get 10% off your first month of BetterHelp
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more
- If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% off
- 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!
- Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
- Find top health insurance plans at Health Trust Financial
- Use code RAMSEY to save 20% at Mama Bear Legal Forms
- Visit NetSuite today to learn more
- 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
🪑 Front Row Seat with Ken Coleman
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
9 January 2026, 11:00 am - More Episodes? Get the App