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This Author: Dave Ramsey

The Dave Ramsey Show Podcast by Dave Ramsey

The Dave Ramsey Show Podcast

by Dave Ramsey

Product Details

Running Time
39 Min.
Offered
Monday-Friday

LearnOutLoud.com Review

Why stress out over money? With the Dave Ramsey Show Podcast, financial adviser Dave Ramsey offers call-in listeners the chance to discuss their money issues. Topics Ramsey takes on include tips for staying debt-free in college, how to keep your marriage together during a financial crisis, and how to transition after losing a job or suffering a similar cash flow setback. Ramsey helps everyone he talks to with a faith-based, friendly demeanor that tackles not just your money questions, but your emotional health as well.


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.

And check out Dave Ramsey's latest audio book EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches available on CD and audio download.


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#8350: How Dean and Svetlana Paid Off $30K in 8 Months


Tue, Sep 27, 2016


Hour 3: Aired on Tuesday, September 27, 2016

- Nancy (Fort Myers, FL) is on Baby Step 2 and wonders if she should keep her troublesome vehicle.

- Nina (Alberta, Canada) says her 18-year-old son is going over the data limit every month on the cell plan and she and her husband are not on the same page about it.

- Dave answers Kelsey's question from Twitter. Does having a zero credit score get you a better interest rate? 

- Dean and Svetlana (Bakersfield, CA) give their debt-free scream. They paid off $30,000 in debt from a brand-new van in eight months.

- Dave talks about the live events coming up and Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Dave shares the Scripture and quote of the day.

- Joseline (Houston, TX) has student loan debt from her graduate degree, is getting married in January, and is curious if she and her husband should buy a house.

- Dave answers the Blinds.com question of the day. Audrey in Arizona asks if she should consolidate her $26,000 in student loans.

- Elizabeth (Philadelphia, PA) needs advice. Her husband has been laid off twice, started flipping houses, and is going back into engineering. 



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#8349: Thirty-Somethings With a Paid-Off Mortgage


Tue, Sep 27, 2016


Hour 2: Aired on Tuesday, September 27, 2016

- Vicki (Columbus, OH) is almost done with Baby Step 2 and wonders how she can save for her teens' college and her retirement.

- Nathan (Paducah, KY) has a trash removal business and needs advice on advertising. 

- Tom (Casper, WY) has $160,000 in a 403(b). Should he roll it over into a 401(k)? 

- Jason and Joanna (Plano, TX) give their debt-free scream from the lobby after paying off their house in 54 months. And they're still in their 30s! 

- Dave talks about Rachel Cruze's new book, "Love Your Life, Not Theirs," and upcoming live events. 

- Keith (San Antonio) and his wife are in their 50s and considering self-insuring long-term care.

- Sandra (Nashua, NH) is on Baby Step 2 with $100,000 in debt, and her husband is losing his job. What should they do?



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#8348: How Can Julia Dig Out of $265,000 in Student Loan Debt?


Tue, Sep 27, 2016


Hour 1: Aired on Tuesday, September 27, 2016

- Carla (Albuquerque, NM) wonders if her son should buy a house or rent an apartment. He has no debt, $10,000 in savings, and a good job. 

- Julia (New York, NY) needs help tackling $265,000 in student loan debt from law school.

- Dave talks about upcoming events.

- Dave talks about Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Michela (Los Angeles) asks if she and her husband should save for retirement during the debt snowball.

- Bill and Angie (Cadiz, KY) give their debt-free scream from the lobby after paying off $68,000 in five years and three months. 

- Carrie (Baltimore, MD) has been offered a pension buyout for $16,500 and wonders what to do next. 

- Dave talks about Rachel Cruze’s 14-Day Money Finder. 

- Jaden (Manitoba, Canada) has been denied a promotion at work. Should he leave for another job?

- Dave talks about the dangers of nepotism and the importance of integrity. 



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#8347: Should David Buy a Condo for His Mom?


Mon, Sep 26, 2016


Hour 3: Aired on Monday, September 26, 2016

- Matt (Helena, MT) is a homebuilder and got hit hard in the recession. Should he buy a commercial property?

- Kate (San Diego) asks if she should stop adding 15% to her thrift savings plan (TSP) to pay off her house.

- David (Ferrara, Italy) is a missionary considering buying a condo in Southern California and renting it to his mom. Is this a good idea? 

- Dave talks about upcoming live events. 

- Joe (Orlando, FL) and his wife are in Baby Step 2 and have a rental property with a HELOC with a balloon on it. They’d like to sell it, but what should they do? 

- Dave shares the scripture and quote of the day.

- Bridget (New Orleans) wants to start a family, but her husband has a nerve condition and his truck makes the pain worse. Should they get a new truck, pay off debt, then have a baby?

- Bruce (Abilene, TX) asks Dave's thoughts on the economy. His wife is concerned it's tanking and wants to save more cash. She’s sold one rental property and is considering selling the second. Should they?



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#8346: A Young Military Couple Pays Off $50K in Two Years


Mon, Sep 26, 2016


Hour 2: Aired on Monday, September 26, 2016

- Shelly (Pittsburgh, PA) and her husband are on Baby Step 2. Their daughter has a chronic illness. Should they max-fund their HSA?

- Robin (Houston, TX) is calling for her parents. They're debt-free and selling part of their farm. They’ll receive about $2,000,000. What types of real estate should they consider?

- Dave talks about the Smart Conference in Atlanta, the Smart Money events in Boston and Charlotte, and the Love Your Life, Not Theirs book launch.

- David (Denver, CO) and his wife are working on Baby Step 4. Should they rent out their current house in this hot market and buy a new one?

- Matthew and Gina (San Diego) are both 28 and in the Marine Corps. They're debt-free, having paid off $50,000 in two years. 

- Brad (Saskatchewan, Canada) and his sister are selling a condo they bought together. He’s in Baby Step 2 and needs to know what to do with his part of the condo profits.

- Dave answers Mike's question from Facebook. Should he switch to a universal life insurance policy?

- Kathy (Colorado Springs) is 72. She wonders if she should pay off her mortgage or save the $25,000 she has in savings? 

- Dave talks about the SmartVestor program. 

 



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#8345: How Can You Be Generous and Save at the Same Time?


Mon, Sep 26, 2016


Hour 1: Aired on Monday, September 26, 2016

- Dave talks about upcoming events, as well as Rachel Cruze’s new book, Love Your Life, Not Theirs, and her upcoming segment on Rachel Ray. 

- Nancy (Haiti) and her husband are saving for college for their kids, and for retirement. How can they be generous and save at the same time?

- Joe (Miami, FL) asks whether he should pay off his mortgage, HELOC, or car first? He has $10,000 in cash.

- Jeff (Los Angeles) was asked to be a guardian and take custody of a friend’s child in the case of their death. Should he do this?

- Dave offers advice for Tim from Twitter who would like to become a financial coach. 

- Dave talks about Foundations in Personal Finance, the money class for high school students, as well as open job positions.

- Dylan and Amanda (Madison, WI) give their debt-free scream. They paid off $21,000 in credit card, student loan, and Volkswagen debt in six months.

- Mike (Akron, OH) asks if he and his wife should take out a loan to fix the house or drastically drop the price on the house and sell it without making a profit.

- Dave answers the Blinds.com question of the day.¬†JoNell asks,¬†‚ÄúHow long does it take to have no FICO score once all debts/credit cards/loans have been eliminated?‚ÄĚ

- Nicole (Boise, ID) needs advice on the best way to save for her kids' college. She has $10,000 and $4,000 saved so far.

 

 



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#8344: Dawn Has $480,000 in Debt. Keep Renting?


Fri, Sep 23, 2016


Hour 3: Aired on Friday, September 23, 2016

- Carolina (Portland, OR) asks if she should retire early. 

- Nick (Tampa, FL) has pre-paid his 4-year-old son's college tuition through a state government program. Why is that so bad?

- Dawn (Phoenix, AZ) is $480,000 in debt. Should she continue to rent? 

- Jonathan (Meridian, MS) needs to know what to do after becoming debt-free.

- Dave rants and encourages parents to keep their kids away from student loan debt. 

- Dave talks about the 14-Day Money Finder at RachelCruze.com. 

- Dave answers the Blinds.com question of the day. Hallie is starting grad school and already has $10,000 in debt. How can she fund grad school and pay off the debt?

- Adam and Amanda (Orlando) give their debt-free scream. They paid off $70,000 in three and a half years. 

- Dave shares the Scripture and quote of the day. 

- D'nica (Tacoma, WA) feels it's more expensive to rent than to buy. 

- Tonya (Phoenix, AZ) asks if she should start a new business. 



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#8343: Family of Six Moving in With the Folks?


Fri, Sep 23, 2016


Hour 2: Aired on Friday, September 23, 2016

- Beth (Greensboro, NC) is wondering if she should get a job in college. 

- Jake (Phoenix, AZ) and his wife are expecting a baby in April. Should they max out their health savings account?

- Stephanie (Lexington, KY) is considering moving in with her parents temporarily to save money . . . along with her husband and four kids. 

- Mario and Ashley (St. Louis, MO) give their debt-free scream from the lobby. They paid off $93,000 in 34 months.

- Lisa (San Diego) wonders if she should keep her condo.

- Dave talks about Financial Peace University.

- Stanley (Austin, TX) asks if he should sell the house and go back to renting. 

- Hans (Phoenix, AZ) went to school debt-free after attending an EntreLeadership event in 2010. 

- Dave answers Tammy's question from Twitter. What does Dave think about micro-investing apps? 



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#8342: Alyssa Owes $10K More on Her Car Than It's Worth!


Fri, Sep 23, 2016


Hour 1: Aired on Friday, September 23, 2016

- Chris Brown joins Dave in studio. 

- Tim (Colorado Springs, CO) is trying to decide between buying a new or used car for his wife. 

- Chris (Buffalo, NY) is considering moving money into a Roth Thrift Savings Plan.

- Jason (Indianapolis) asks if he should invest or fund 529 plans for college. 

- Tom (Nashville, TN) wonders if he should buy an extended warranty for his car. 

- Dave announces some job openings at Ramsey Solutions. 

- Brian and Katie (Indianapolis) give their debt-free scream from the lobby. They paid off $125,189 in 29 months. 

- Lewis (Fort Lauderdale, FL) invested in real estate with adjustable-rate mortgages and balloons. Which loan should he tackle first? 

- Dave and Chris talk about the Smart Conference event coming to Houston and Atlanta. 

- Robert (St. Louis, MO) asks if he and his wife should pay off debts or pile up cash since his wife is sick.

- Alyssa (Dallas, TX) is $10,000 upside-down on her car. She can't refinance. What can she do? 



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#8341: Is a Pension Part of the 15% in Baby Step 4?


Thu, Sep 22, 2016


Hour 3: Aired on Thursday, September 22, 2016

- Terry (Grand Junction, CO) needs help figuring out how to pay for funeral expenses. 

- Garrison (Denver, CO) asks if he should include his fiancée on a home loan. 

- Dave answers Oscar's question from Twitter. How can he get out of a loan he owes $500/month on?

- Dave talks about the EntreLeadership 1-Day livestream on October 19. 

- Amanda (Phoenix, AZ) asks if she and her husband should move to Dallas. 

- Andy (Houston, TX) wonders if his pension is considered part of the 15% in Baby Step 4. 

- Dallin and Cindy (Phoenix, AZ) give their debt-free scream after paying off $100,000 in 42 months. 

- Luke (Omaha, NE) has enough in his 401(k) to pay off his debt. Should he?

- Dave shares the Scripture and quote of the day. 

- Clint (Phoenix, AZ) asks if a variable universal life policy could ever be a good option.

- Rich (Toronto) needs help managing debt on rental homes. 



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#8340: What Would Dave Do With a $130,000 Inheritance?


Thu, Sep 22, 2016


Hour 2: Aired on Thursday, September 22, 2016

- Barb (Pittsburgh, PA) asks when the kids should be responsible for the cost of their business raising chickens and selling eggs. 

- Casey (Cheboygen, MI) wonders if he and his fiancée should save for a wedding or pay off debt.

- Dave talks about Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Heather (Charlotte, NC) has a question about investing for retirement. 

- Kevin (Midland-Odessa, TX) is concerned about his fiancée's dad. He's not responsible with money, and they could end up having to support him. 

- Dan and Rachel (Kansas City, MO) give their debt-free scream from the lobby. They paid off $134,000 in nine years and nine months. 

- Sheril (Pittsburgh, PA) received a $130,000 inheritance from her father. How should she handle it? 

- Dave answers the Blinds.com question of the day. Rachel asks if she should place her student loans in deferment while paying off the rest of her debts in Baby Step 2. 

- J.T. (Idaho Falls, ID) is starting a business, but his wife isn't on board. How can they get on the same page?



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#8339: How Beth Paid Off More Than $1,000 a Month


Thu, Sep 22, 2016


Hour 1: Aired on Thursday, September 22, 2016

- Suzanne (San Francisco) asks if her husband should take a new job in Chicago. They'd have to move and the commute would be longer, but pay would be better.

- Dave answers Steve's question from Twitter. How long should you hold a mutual fund until you realize it's not going to bring the kind of return you want?  

- Anthony ONeal joins Dave in the studio to talk about students and money.

- Dave and Anthony talk about the Smart Conference.  

- Brittany (Mitchell, SD) needs to know how to talk to her 15-year-old stepdaughter about paying for school.

- Dave answers a Twitter question from Ben. He and his wife are debt-free except for student loans. Is having a zero credit score something worth going for?

- Beth (Los Angeles) gives her debt-free scream. She paid off $19,566 in just 17 months. 



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#8338: Holy Toledo! Rob and Anji Paid Off $120k in 34 Months.


Wed, Sep 21, 2016


Hour 3: Aired on Wednesday, September 21, 2016

- James (Los Angeles) asks if he should get earthquake insurance.

- Kim (Tulsa) totaled her car in a wreck. Should she take the $1,400 payout and save it for a car or put it toward her student loan?

- Dave answers Robin’s Facebook question. Do both spouses in a marriage need term life insurance?

- Carrie (Houston) and her husband wonder if they should pay off the house with cash on hand or sock it away for retirement.

- Cheryl (Louisville, KY) is helping her widowed mother-in-law take control of her money. She’s been advised to use annuities.

- Rob and Anji (Toledo, OH) give their debt-free scream. They paid off $120,000 in 34 months.

- Dave rants on the importance of taking control of your money like Rob and Anji.

- Dave shares the Scripture and quote of the day.

- Matt (Las Vegas) asks if he should go into business with his son buying investment property.

- Noel (San Antonio) needs to know how to sell inherited property and how it will affect capital gains.



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#8337: How Can Anna and Her Husband Really Clean Up?


Wed, Sep 21, 2016


Hour 2: Aired on Wednesday, September 21, 2016

- Julie (Baton Rouge) needs to talk her mom out of a reverse mortgage.

- Jason (Salt Lake City) asks about difference between a trust and a will.

- Dave answers Gary’s Twitter question. What percentage of his income should he spend on insurance premiums?

- Jennifer (Idaho Falls, ID) is wondering about the difference between a traditional 401(k) and a Roth 401(k).

- Barry (Kansas City, MO) asks if 0% car loans are okay.

- Nikki (Columbus, GA) gives her debt-free scream. She paid off $56,000 in only two and a half years.

- Dave answers Jane’s question from Facebook. Does she need life insurance if she has no dependents?

- Dave answers Cassandra’s question from Facebook. If your car is paid off, should you carry full coverage on it?

- Dave answers Raj’s Twitter question. What amount does Dave recommend he contribute to college funds for kids ages 16 and 13?

- Gerta (Phoenix, AZ) says someone wants to lease a property she owns. How much should she charge and how does she set it up?

- Anna (Albany, NY) cleans houses with her husband for a living. How can they formally market themselves as a business?



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#8336: Discounts When Paying Cash for a Car?


Wed, Sep 21, 2016


Hour 1: Aired on Wednesday, September 21, 2016

 - Julie (Las Vegas) has four kids. How can she plan for the extra money she’ll need for everything?

- James (Atlanta) asks how to save for college for their 4 small kids.

- Wade (Idaho Falls, ID) wonders if he should sell his triplex.

- Rachel (Springfield, IL) asks if she should give money to her nephew.

- Rick (Fort Wayne, IN) asks how he can help direct his grown children.

- Jeremy (Denver) is debt free paying off $37,000 in 4 years.

- Carol (Oakland) is considering life insurance. Should she get it?

- Dave answers Steven’s question from Twitter. Should he ask for and expect a discount if paying cash for a car?

- Dave talks about the radio show Chris Brown’s True Stewardship.

- Amanda (Huntsville, AL) asks if it’s too late to save for retirement.

- Dave answers the Blinds.com question of the day. Jeff has a $33,000 loan. Should they convert it to a HELOC and 401(k) loan?

- Dave answers David’s Twitter question. What kind of chair does Dave use in studio. SPOILER: Dave doesn’t know.



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#8335: A Good Home for a $10k Personal Injury Settlement


Tue, Sep 20, 2016


Hour 3: Aired on Tuesday, September 20, 2016

- Sarah (Atlanta) needs help talking to her stepdaughter. 

- Claire (Kansas City, MO) is considering buying a new car. Should she?

- Michael (Tampa) asks for Dave's thoughts on cash value life insurance as an investing tool. 

- Dave answers Matthew's Twitter question. Are growth stock mutual funds recession-proof? 

- Dave rants about smartphones and how they've become a necessity. 

- Dave talks about Rachel Cruze's new book, Love Your Life, Not Theirs. 

- Dave shares the Scripture and quote of the day. 

- Shannon (Columbia, SC) received a $10,000 personal injury settlement. What's the smartest option for that money?

- Dustin (Madison, WI) wants to get friends involved and excited about Dave's plan. How can he do that? 



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#8334: Former UT Football Player Inky Johnson Joins Dave in the Studio


Tue, Sep 20, 2016


Hour 2: Aired on Tuesday, September 20, 2016

- Dave's in-studio guest is Inky Johnson, the former University of Tennessee football player.

- Dave talks about Inky's speaking engagements at the Smart Conferences in Atlanta and Houston in October. 

- Chris and Janan (Detroit) give their debt-free scream. They paid off $77,000 in just 21 months. 

- June (Cincinnati) asks if helping her kids on their student loans would count toward the gift tax threshold. 

- Dave answers Josh's question from Facebook. What's the best way to get out of a car lease?

- Margo (Tulsa, OK) is worried about turning her bank account info over when paying for a hospital bill. 

- Tom (Kansas City, MO) asks if he should refinance his home equity line of credit into a first mortgage so he can get past Baby Step 2. 

- Dave talks about the upcoming Smart Money Tour events. 

- Carson (Anchorage, AK) thinks it may be time to get a nicer car. 



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#8333: Building Deanna's Savings From the Round Up


Tue, Sep 20, 2016


Hour 1: Aired on Tuesday, September 20, 2016

- Belinda (New York) asks if she should buy a house.

- Heath (Dallas) is trying to decide between a mortgage or an investment property.

- Dave answers Jose's Twitter question. Is there a liimit to how much someone can invest in a single mutual fund? 

- Dave talks about Christy Wright's Business Boutique event in Nashville in November. 

- Dave answers the Blinds.com question of the day. Deanna is looking for Dave's opinion on checking accounts that round up purchases to the nearest dollar and deposit the change into savings. 

- James (Bloomington, IN) is considering going back to school to become a real estate agent. 

- Willy and Aly (Orlando) give their debt-free scream. They paid off $43,000 in just 22 months. 

- Paul (Portland, OR) is having a hard time with his parents selling a home that has sentimental value. 

- Mitch (Omaha) wonders if starting a new business was a smart idea. 

- Christie (Sacramento) and her husband have a second mortgage with a balloon payment due in four years. What should they do?



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#8332: So How Do You Define "Broke People?"


Mon, Sep 19, 2016


Hour 3: Aired on Monday, September 19, 2016

- Shayla (San Antonio) just lost her car in an accident. The insurance company is offering less than that she feels the car is worth. What should she do? 

- Philip (Raleigh-Durham. NC) is attempting to sell his house in Alabama. Should they do a deed instead of a foreclosure?

- Samantha (Tulsa, OK) asks how she can make a business plan for a product she's developed. 

- Adam (Phoenix, AZ) just got a new job. Should he get a better car?

- David (Honolulu) is debt-free after playing off $18,000 in 19 months. 

- Dave shares the scripture and quote of the day. 

- Dave talks about the online budgeting tool, EveryDollar.

- Carol (Grand Rapids, MI) wonders if her parents should refinance or do a reverse mortgage. They're in their mid-80's.

- Dave answers a question from Twitter. Sam asks how Dave defines "broke people." 



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#8331: Suzanne and the FPU Class Millennials


Mon, Sep 19, 2016


 Hour 2: Aired on Monday, September 19, 2016

- Andy (Fort Wayne, IN) asks if he can use 529 money to pay for college classes through his kids' high school. 

- Kelli (St. Joseph, MO) is making better money. Should she take a break from school to pay off loans and cash flow the rest? 

- Dave answers the Blinds.com question of the day. Sherry has $52,000 in student loan debt with a $41,000 income. How can she stay motivated?

- Julie (Baltimore, MD) is on a teacher pension plan. Now that's she's vested and no longer teaching, should she take a buyout and invest somewhere else? 

- Jennifer (Pueblo, CO) has ongoing health issues that are causing setbacks in the baby steps. 

- Aaron and Nicole (Dallas, TX) give their debt-free scream from the lobby. They paid off $75,000 in 35 months. 

- Andy and Liz (Grand Rapids, MI) ask a question from the lobby. How can they help a sister going through a divorce? 

- Howard (Baltimore, MD) has a young daughter living in a third-world country. How can he best support her and make sure she gets her inheritance?

- Suzanne (San Diego) has a number of millennials in her FPU class. How can she convince them to pay off their revolving debts?



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#8330: Andrew's 8-Year Journey Out of Debt


Mon, Sep 19, 2016


Hour 1: Aired on Monday, September 19, 2016

- Allen (Little Rock, AR) asks when he should talk to his son about money. 

- Julie (Honolulu) wonders if it's wise to cash out an IRA for a down payment on a home. 

- Brenna (Colorado Springs) asks what to do with rental property. 

- Carla (Albuquerque, NM) is facing a company merger at work and her 401(k) will change. What should she do about her 401(k) loan? 

- Andrew (Albany, NY) gives his debt-free scream from the lobby after paying off $197,000 in 8 years. 

- Betty (Baltimore, MD) has an empty nest. All five kids have moved out. Should she downsize and rent out their family home? 

- Shane (Phoenix, AZ) worries that his future in-laws may be taking out a loan to buy a gift. 

- Harrison (Dallas) has a whole life policy his mom bought when he was a child. If he cashes it out, should he give his parents the money? 

- Chaz (Louisville, KY) got married in June, makes $65,000, and is working on Baby Step 3. Should they focus on starting a family, or should he go back to school for a better job?

 



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#8329: Marsha Has a Retirement Eureka Moment


Fri, Sep 16, 2016


Hour 3: Aired on Friday, September 16, 2016

- Clint (Atlanta) owes more on his cars than they're worth. Should he sell them or pay them off?

- Dave lays out the upcoming Smart Money Tour schedule.

- Marsha (Eureka, IL) asks how to move his retirement plan from an old employer to her new one. 

- Eric (Lexington, KY) is being offered a health savings account. What are the advantages and what should he know? 

- Victoria (Madison, WI) gives her debt-free scream after paying off $65,000 in 18 months.

- Nick (College Station, TX) needs help with inheritance taxes.

- Dave shares the Scripture and quote of the day. 

- Trisha (Boise, ID) asks about retiring before the age of 59 and a half. Her husband wants to retire at 53.

- Dave announces he'll be speaking at Bayside Community Church in Tampa, Florida, this Sunday. 

- Daniel (Fresno, CA) asks if it's wise to sell the house and pay off debt with the equity.

- Dave answers Donnie's Twitter question. Is personal liability umbrella insurance a good idea?



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#8328: Dave and Chris Hogan Discuss the Retirement Crisis


Fri, Sep 16, 2016


Hour 2: Aired on Friday, September 16, 2016

- Amanda (Seattle) asks if she should enroll in a student loan repayment program. 

- Dave talks about FPU and the importance of taking control of your money. 

- Sam and Meg (Orlando) give their debt-free scream. They paid off $60,000 in three years. 

- Nate (Rochester, NY) is going back and forth between buying a condo or a house. 

- Ramsey Personality Chris Hogan joins Dave in studio to talk about Ramsey Solutions Research and today's retirement crisis. 

- Dave and Chris Hogan talk about the Retire Inspired event. 

- Justin (Tucson, AZ) is just starting to invest and needs help.

- Eliza (Chicago) asks about investing while she's in Baby Step 2. 

- Dave and Chris Hogan talk about the Retire Inspired Podcast. 



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#8327: Heather's Car and the Lease of Her Problems


Fri, Sep 16, 2016


Hour 1: Aired on Friday, September 16, 2016

- Dave talks about the Smart Money event that was streamed live on Youtube for free. 

- Mary Ann (Nashville, TN) is starting over and doesn't know where to go or what to do. 

- Renee (Tucson, AZ) asks if she should consolidate her massive student loan debts. 

- Susie (Chicago) wonders if she should pay off debt that is in collections. 

- Ron (Lexington, KY) is transitioning his 14-year-old son from Give, Save and Spend envelopes to a checking account. How should he do that?

- Pete and Rachel (Orlando) give their debt-free scream from the lobby. They paid off $338,850 in 35 months. 

- Heather (Nashville, TN) needs help getting out of a car lease. 

- Dave answers the Blinds.com question of the day. Jason asks what age is too old to go back to school and start over. 

- Nicole (San Francisco) asks if she needs an emergency fund for her business. 

- Kevin (Cincinnati) and his wife are trying to get their money situation in order after a cancer diagnosis. 



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#8326: Depressed in Phoenix, Hot in Phoenix


Thu, Sep 15, 2016


Hour 3: Aired on Thursday, September 15, 2016 

- Lauren (Kalamazoo, MI) asks how she should approach her divorce settlement.

- Judy (Wichita, KS) needs help advising her 19-year-old son about his IRA.

- Callie (Phoenix) wonders how she can get her husband excited about the Baby Steps.

- Dave answers a question from Twitter. Should Whitney create sinking funds in Baby Step 2 or throw everything at debt?

- Jonathan and Rachel (Tri-Cities, TN) give their debt-free scream from the lobby. They paid off $12,000 in less than five months.

- Dave talks about the Smart Money Smart Kids book and class.

- Tyler (Des Moines, IA) needs help marketing a smartphone app. What books should he read for ideas?

- Dave shares the Scripture and quote of the day.

- Steve (Washington, D.C.) asks if he should stop Baby Step 6 to convert a traditional IRA to a Roth.

- Charice (Colorado Springs) wonders if her 16-year-old daughter would benefit from Financial Peace University.

- Karen (Phoenix) needs a new air conditioner. How can she replace it without debt?



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#8325: Sunni, Debt Free, and Rich in Indianapolis


Thu, Sep 15, 2016


Hour 2: Aired on Thursday, September 15, 2016

- Christina (Tampa, FL) asks if her money is in the right place. 

- Dave answers a question from Twitter. Matthew makes $750 every two weeks. How much should he keep in his checking account?

- Dave answers a question from Facebook. Joel is on Baby Step 2. Should he budget for car repairs or throw everything at debt?

- Megan (San Diego) just started with Dave's principles. How do they explain them to their 9- and 12-year-olds? 

- Mark (Baton Rouge) was presented with a joint venture trucking business opportunity. Should he consider it? 

- Sunni and Rich (Indianapolis) give their debt-free scream from the lobby. They paid off $30,000 in less than seven months. 

- Dave answers a question from Twitter. Tom asks how to value a pension when determining net worth. 

- Dave answers another question from Twitter. Samantha asks what to do when her employer doesn't offer a retirement plan.

- Tim (Phoenix) and his wife are considering moving into a retirement community in seven or eight years. Should they? 

- Andrew (Seattle) is loyal to his employer but was offered a better opportunity. How can he leave the right way? 



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#8324: Snowball Rolling in St. Cloud


Thu, Sep 15, 2016


Hour 1: Aired on Thursday, September 15, 2016

- Terry (Phoenix, AZ) wonders if he should sell his house. 

- Kelsey (Memphis) is not a Christian, but her new husband is. She's worried he won't treat her as an equal in the future. 

- Chris and Jennifer (Louisville, KY) give their debt-free scream from the lobby. They paid off $114,000 in 19 months. 

- Bob (St. Cloud, MN) asks where to put his home equity line of credit in the debt snowball process. 

- Megan (New York) wants a better car, but her husband wants to invest instead. 

- Doug (Atlanta) is worried his elderly father is being scammed. He sent $100,000 overseas. 

- Dave answers the Blinds.com question of the day. Linda's daughter has received Pell Grants and scholarships. Should she tithe off of that? 

- Mary (St. Louis) is in a student loan forgiveness program that won't let her pay the loan off early. What should she do? 

- Randy (New York) is trying to encourage his 82-year-old father to start an estate plan. Should he get a trust or will?



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#8323: Tammy's Son Won't Leave!


Wed, Sep 14, 2016


Hour 3: Aired on Wednesday, September 14, 2016

- Rosie (Fargo, ND) and her husband have big medical school debt. Should they wait to buy a home? 

- Dave rants about cleaning up medical debt before living like a doctor. 

- Dave answers the Blinds.com question of the day. Don owns four paid-for cars. When can he drop full coverage insurance and go with the minimum?

- Tammy (Columbia, SC) asks if she should kick her son out of the house she owns. He refuses to leave unless she evicts him!

- Dan and Latricia (Madison, WI) give their debt-free scream after paying off $130,687 in two years.

- Dave talks about Rachel Cruze's new book, "Love Your Life, Not Theirs." 

- Dave shares the Scripture and quote of the day. 

- Tracy (Tacoma, WA) needs advice on college savings for her kids. 

- Gloria (San Antonio) asks where she should invest $100,000.



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#8322: Ben and His Fiancée's Upside-Down Car


Wed, Sep 14, 2016


Hour 2: Aired on Wednesday, September 14, 2016

- Chris Brown, Ramsey Personality and host of the Chris Brown’s True Stewardship radio show, joins Dave in the studio. 

- Allen (Tulsa, OK) asks how to budget for a wedding while in debt. Should he be debt-free before the wedding?

- Ben (Cincinnati, OH) needs to know what to do with his fiancée's car. She owes $18,000, and it's worth $15,000.

- Kay (Birmingham, AL) owes $9,000 on her minivan. Should she sell it or keep it and start a shuttle service?

- Josh and Kerrilyn (Ogden, UT) give their debt-free scream. They paid off $44,582 in 19 months. 

- Keela (Houston, TX) is starting a new business. Should she file for an employee ID number or incorporate?

- Santiago (Ecuador) calls for advice on his whole life insurance policy. 

- Anthony (Fort Myers, FL) asks how to budget on an irregular income. 

- Jordan (Charlotte, NC) wonders how to structure his savings. 



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#8321: The Louisville Debt Sluggers Do Their Debt-Free Scream


Wed, Sep 14, 2016


Hour 1: Aired on Wednesday, September 14, 2016

- Marie (Boise, ID) and her husband are living on half the salary she thought his new job would pay. How do they make ends meet?

- Dave answers a Facebook question from Rachel. Are food subscription services worth the price?

- Dave talks about the free live-stream of the Smart Money event in Dallas. It will air on Rachel Cruze's YouTube channel on Thursday, September 15, 2016.

- Becky (New York, New York) is facing bankruptcy and has to sell her business. 

- Dexter and Christina (Louisville, KY) give their debt-free scream from the lobby. They paid off $265,000 in 45 months. 

- Monica (Baton Rouge, LA) needs help knowing how to talk to her three year-old about money. 

- Christopher (Manassass, VA) asks for advice since his wife wants to be a stay-at-home mom. 



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#8294: Big Debt Gone in Little Time!


Thu, Sep 01, 2016


Hour 1: Aired on Thursday, September 1, 2016

- Dave talks about how the things he teaches are simple and just require discipline.

- Kelly (Kalamazoo, MI) asks how to teach her college-age son how to budget.

- Dave reads a Facebook question from Ashley, who wonders if she should get disability insurance before or after completing her emergency fund.

- Matt and Bryn (Lake Tahoe, CA) are debt-free after paying off $50,000 in 11 months!

- Dave talks about our budgeting software, EveryDollar.

- Dave reads the Blinds.com question of the day from Paul, who asks for advice on negotiating.

- John (Colorado Springs, CO) has a question about retiring with military benefits.



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#7840: Dave's Team Member Is Debt-Free!


Thu, Dec 17, 2015


- Carlee (Iowa) and her husband wonder if they should pause on retirement savings to build up a bigger pile of money for house repairs once they buy.

- Jason (Detroit) wants to know if he should roll his 401(k) over to his new job or withdraw it to pay off debt.

- Nora (Greenville, SC) wants to know where collections fit into the Baby Step process.

- Nick (Phoenix) and his wife ask if they should sell their paid-for house to build a custom house on some property they have.

- Michelle (Lexington, KY) asks if she should take money from her savings account to pay off her mortgage.

- Amy from Twitter wonders about the best way to deal with capital gains tax.

- Parker and Kara (Nashville - Parker works for Dave) have paid off $32,000 in 19 months and are now debt-free!

- Anna (Baton Rouge, LA) is going back to grad school in January and asks if she should borrow from her 403(b) to pay for college.

- Dave plugs EveryDollar.

- David (San Antonio, TX) owns three whole life insurance policies and asks if it’s smart to keep them.

- Michelle (New York) wonders what happens to the bills that don’t get paid when the paycheck from your irregular income arrives.

- JC from Twitter asks what gazelle intense means.



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#7839: Ken Coleman hosts with special guests Rachel Cruze and Chris Hogan.


Thu, Dec 17, 2015


- Ken, Rachel and Chris talk about the upcoming release of Chris’ book Retire Inspired as well as Rachel’s next book project set to release in late 2016.

- Rachel, Chris and Ken talk about how they stay on budget with their Christmas shopping and offer tips for how you can do the same.

- Sarah (Tacoma, WA) asks how you can respectfully speak to your parents about money when they struggle with it.

- Jack (Chicago) wants to know if he should finish Baby Step 3 before spending $6,000 getting his degree at an online college.

- Brad from Twitter is on Baby Step 2 and asks if he should cash out his work vacation days to pay on his debt.

- Maria (Temple, TX) has a husband who wants to take out a 401(k) loan. She wants to know why that’s not a good idea.

- Elaine (San Antonio, TX) and her husband are in their 60s. She wants to know the age where they can start withdrawing from their mutual funds.

- Jesus (Hartford, CT) has a $4,000 car that needs $2,000 in repairs. He wonders if he should pay to fix it or pay cash for a newer $10,000 car.

- Chris, Ken and Rachel talk about keeping gift and money expectations reasonable during the Christmas season.



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More Details

  • Published: 2002
  • LearnOutLoud.com Product ID: T019465