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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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#8666: Christy Wright Joins Dave in Studio


Wed, Feb 22, 2017


Hour 3: Aired on Wednesday, February 22, 2017

- Christy Wright joins Dave in studio to talk Business Boutique, and the idea of not feeling guilty for making a profit. 

- Dave promotes Christy's new book, Business Boutique

- Lanelle (San Antonio, TX) wants to start an in-home adult day care service. What does she need to get started? 

- Mayte (Las Vegas, NV) wants to get her real estate business off the ground and actually start making some money. 

- David and Kristin (Biloxi, MS) do their debt-free scream. They paid off $78,000 in 3 years. 

- Brad (Reno, NV) asks if he should sell the rental to pay off his house. 

- Dave shares the scripture and quote of the day. 

- Dave rants about how you become who you hang around with.

- Crissy (New York, NY) owns a house with her sister. Should she and her husband buy her sister out?

 



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#8665: Millionaire Theme Hour


Wed, Feb 22, 2017


Hour 2: Aired on Wednesday, February 22, 2017

- Dave introduces Millionaire Theme Hour and talks about some of the myths surrounding millionaires. 

- Jeff (Houston, TX) has a net worth of $1.69 million at 57.

- Allan (Sacramento, CA) has a $3 million net worth at 62. 

- Matt (Denver, CO) is 61 with a net worth of $1.3 million. 

- Ann (Charleston, WV) is 48 with a net worth of $2.25 million. 

- Russ (Pittsburgh, PA) has a net worth of $2.7 million at 54. 

- Kelly (Kansas City, MO) is 57 with a million dollars. 

 



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#8664: Nicolai and Jessica Paid Off $149K!


Wed, Feb 22, 2017


Hour 1: Aired on Wednesday, February 22, 2017

- Jessica (Houston, TX) is concerned about the extravagant gifts her mother gives knowing she can't afford them. 

- Megan (Dallas, TX) is moving to Idaho soon. Should they pause Baby Step 3?

- Charissa (Tucson, AZ) owes more on their home than it's worth. Should they sell and rent?

- Dave answers Madison's question from Facebook. Do you need mortgage insurance to qualify for a home loan?

- Nicolai and Jessica (Phoenix, AZ) do their debt-free scream from the lobby. They paid off $149,207 in 40 months! 

- Dave talks about the 20% off sale at DaveRamsey.com. 

- Dave answers the Blinds.com question of the day. Johanna asks if she should decrease her 15% contribution to a TSP (Thrift Savings Plan) and save to buy a town house with cash. 

- Theo (Atlanta, GA) wants to get out of a car lease. 



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#8663: Where Do Student Loans Fit in the Baby Steps?


Tue, Feb 21, 2017


Hour 3: Aired on Tuesday, February 21, 2017

- Amy (Columbus, OH) wonders how to pay the bill she owes the IRS. 

- Katharine (Springfield, IL) wants to know where student loans fit in the Baby Steps.

- Lindsay (Lancaster, PA) questions if she should move to a new city before finding a new job.

- Brandon and Edith join Dave in the lobby to do their debt-free scream after paying off $146,000 in 39 months.

- Dan (Kansas City, MO) asks about teacher retirement funds.

- Dave shares the Scripture and quote of the day.

- Crystal (Midland-Odessa, TX) wants to know if she should sell the house.

- Brad (Houston, TX) has a baby on the way and says they're not prepared financially.



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#8662: Dave Discusses New Book, Business Boutique


Tue, Feb 21, 2017


Hour 2: Aired on Tuesday, February 21, 2017

- Meghan (Los Angeles, CA) wants to know about moving her business into an LLC.

- Dave talks about Christy Wright’s new book, "Business Boutique."

- Alex (St. Louis, MO) asks about the best health insurance options for veterans.

- Angela (Fredericksburg, VA) wonders about selling her house.

- Kyle (Philadelphia, PA) asks about Thrift Savings Plan options and the buyback program.

- John (Little Rock, AR) questions whether he should pay off the house or invest more.

- Alex on Twitter wonders what Dave's recommends doing to make more money while getting out of debt.

- Eric and Christine join Dave in the lobby to do their debt-free scream after paying off $21,000 in 17 months.

- Dave talks about The Dave Ramsey Show YouTube Channel.

- Dave answers the Blinds.com question of the day from Jessie, who asks about setting money aside before her husband joins the military.

- Vanessa (Boston, MA) asks about investing in her business.

- Frederick (Phoenix, AZ) wants to know about ETF accounts.



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#8661: Gabrielle and Thomas Paid Off $334K!


Tue, Feb 21, 2017


Hour 1: Aired on Tuesday, February 21, 2017

- Stephanie (San Antonio, TX) wants to help her imprisoned brother without enabling him.

- Dave talks about Financial Peace University.

- Maria (Birmingham, AL) wonders about credit repair companies.

- Roxanne (San Antonio, TX) asks if she should stop investing in her retirement.

- Gabrielle and Thomas join Dave in the lobby to do their debt-free scream. They paid off $334,000 in six and a half years.

- Quaynce (St. Louis, MO) asks the best way to use a tax refund.

- Seneca (Sacramento, CA) wonders if it's a good idea to attend Financial Coach Master Training right now.

- Philip (Las Vegas, NV) is behind on rent and asks if he should accept the money his parents are offering him.

- Rachel on Facebook wonders what to do about her student loans.



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#8660: Running Out of Money in San Diego


Mon, Feb 20, 2017


Hour 3: Aired on Monday, February 20, 2017

- Will (Orlando, FL) asks if he should sell one of his rental properties.

- Dave promotes the upcoming Smart Conference events in San Antonio and Phoenix. 

- Jennifer (San Diego, CA) has a sick child. They may run out of money before they can pay their bills. How should they prioritize?

- Dave talks about Christy Wright's new book, Business Boutique

- Tony (Anaheim, CA) has debt in a business partnership. He took out the loan. 

- Jared (Nashville, TN) wonders how to allocate funds in his Thrift Savings Plan. 

- Brian (Tucson, AZ) asks about interest-only lines of credit. 

- Dave shares the Scripture and quote of the day. 

- Dave encourages millionaires to take part in an upcoming Millionaire There Hour. 

- Sarah (Seattle, WA) is a single woman with no kids. Does she need life insurance? 

- Genia (Fort Smith, AR) asks if she should remodel her home for wheelchair access for her mom. 



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#8659: How Does Dave Feel About Warehouse Clubs?


Mon, Feb 20, 2017


Hour 2: Aired on Monday, February 20, 2017

- Justin (Sacramento, CA) says his father passed away and now his mom has a big tax bill. How can he help her?

- Dave answers Jessica's question from Facebook. How does Dave feel about warehouse clubs. 

- Amber (Midland-Odessa, TX) has an investment property that isn't making any money. 

- Daniel (Omaha, NE) asks if he should move back to Los Angeles to successfully start his career and get out of debt. 

- Casey (Tampa, FL) asks how much to tithe in Baby Step 2. 

- Shareef (Chicago, IL) has been married for 19 years. They've never combined their finances. How can they do this going forward?

- Michael (Miami, FL) is considering joining his brother-in-law's business. 



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#8658: Brian and Stephanie Paid Off $158K!


Mon, Feb 20, 2017


Hour 1: Aired on Monday, February 20, 2017

- Dave talks about last week's episodes. 

- Elizabeth (Houston, TX) asks how to wisely get a new vehicle. 

- Dave mentions accessing The Dave Ramsey Show on Alexa-enabled devices. 

- Dave answers the Blinds.com question of the day. William is 63 and has a net worth of $3 million. His wife wants long-term care insurance, but it's expensive. Do they need it?

- Kristen (Atlanta, GA) asks how to get a deal on rental property.

- Brian and Stephanie (Indianapolis) do their debt-free scream from the lobby. They paid off $158,542 in seven years and seven months. 

- Deanne (Edmonton, Alberta) needs help figuring out the best way to pay off her mortgage. 

- William (Fayetteville, NC) has amassed Series EE bonds over the years.

- Deanna (Phoenix, AZ) has a self-employed side job. How can she handle paying taxes on that?

- Kristen (Little Rock, AR) is worried about her parents' financial situation. They're offering to pay her student loans.

- Dave encourages millionaires to take part in an upcoming Millionaire Theme Hour.  



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#8657: Randy's on the Fence About His House


Fri, Feb 17, 2017


Hour 3: Aired on Friday, February 17, 2017

- Eddie (Amarillo, TX) needs help for his grown daughter. She lost her job but still wants to pay off debt. 

- Jackie (Los Angeles) has an elderly mom who unknowingly cosigned for a car loan. 

- Gene (Orlando, FL) wants to go back to school. 

- Dave answers Amy's question from Facebook. They're on Baby Step 2. Should they be investing in a matching 401(k)?

- Dave warns against student loans. 

- Aaron and Rachel do their debt-free scream after paying off $14,900 in 25 months. 

- Dave answers the Blinds.com question of the day. Caroline wants her name on the house before she and her fianc? marry. 

- Justin (Provo, UT) wants to take a second job to pay off debt faster, but his wife wants him home more with the new baby. 

- Dave shares the Scripture and quote of the day. 

- Randy (Topeka, KS) is on the fence about refinancing his house. 

- Colton (Amarillo, TX) asks if he should go to a two-year or a four-year college. 



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#8656: Doug and Ashley Paid Off $103K!


Fri, Feb 17, 2017


Hour 2: Aired on Friday, February 17, 2017

- Scott (Columbia, SC) isn't sure whether he should start a video production business or buy a new home. 

- Dave answers a Twitter question from Lucas. When adding to term life insurance, should you cancel the old policy or add another one?

- Dave answers Brandi's question from Facebook. She's a month ahead on a bill. Should she stay ahead or put that money toward debt?

- Joseph (Florence, AL) needs to talk to his cousin about money. 

- Terry (Lexington, KY) is an FPU coordinator. He needs help with a tough question from one of the attendees. 

- Doug and Ashley (Tulsa, OK) do their debt-free scream from the lobby. They paid off $103,000 in five years. 

- Dave answers a Twitter question. Does a will override life insurance beneficiaries?

- John (Las Vegas) asks why a Roth IRA is better than a traditional IRA or 401(k)?

- Oliver (Fresno, CA) is upside-down on a car lease. The dealer won't let him out early. 



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#8655: Dave Asks Dave About Apple Pay


Fri, Feb 17, 2017


Hour 1: Aired on Friday, February 17, 2017

- Garrett (Little Rock, AR) has a 3.3 GPA. Should he take out a student loan that converts to a scholarship? 

- Travis (Kansas City, KS) is getting married in July. How much should they save for their wedding and starter emergency fund?

- Jared (Austin, TX) is being sued by a credit card company. What should he do? 

- Anne (San Antonio, TX) is in a disagreement with her siblings over the family trust.

- Nathan and Ashley (Dallas, TX) give their debt-free scream. They paid off $45,000 in nine months. 

- Dave answered Dave's question from Facebook. (No, not his own!) What does Dave think about using a debit card with Apple Pay or Samsung Pay?

- Lex (Portland, OR) asks why the mortgage isn't in Baby Step 2.

- Amy (Tucson, AZ) needs to fund college for their teens. Should they rearrange the Baby Steps?

- Lacey (Phoenix, AZ) is in a disagreement with her husband on how to use a $76,000 accident settlement. 



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#8654: How Much House Can Brandi Afford?


Thu, Feb 16, 2017


Hour 3: Aired on Thursday, February 16, 2017

- Brandi (Middletown, OH) wonders how much house they can afford.

- Dave answers Hannah's question from Facebook. Is it ok to start term life insurance low and increase it when they have kids?

- Dave answers the Blinds.com question of the day. Mary Beth almost owes more on her car than it's worth. Should they get it down to the break even point and sell?

- Ashanti (Philadelphia, PA) owes friends money. Should she move a high-interest credit card above them in her debt snowball?

- Jason (Baton Rouge, LA) is $26,000 in debt and expecting a baby. Should they stop paying down debt and save up for the birth? 

- Phil and Andrea (North Canton, OH) do their debt-free scream. They paid off $85,000 in 18 months. 

- Dave shares the Scripture and quote of the day. 

- Kathy (Louisville, KY) is struggling with a mom who has dementia. Her sister has power of attorney, but isn't communicating with her or her siblings. 

- Dave rants on why it's important to do a will and keep open communication with the heirs. 



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#8653: When Is It Time to Ask for a Raise?


Thu, Feb 16, 2017


Hour 2: Aired on Thursday, February 16, 2017

- Rosie (Salem, OR) disagrees with her husband on whether to continue his side business. 

- Tammy (Atlanta, GA) filed bankruptcy. A bank has since foreclosed on their business property. Will they still owe taxes?

- Mary (Cincinnati, OH) asks why Dave encourages people not to take part in employee stock purchase programs. 

- Dave answers Emily's question from Twitter. When is it time to ask for a raise? 

- Robert and Julie (Milwaukee, WI) do their debt-free scream from the lobby. They paid off $63,500 in 13 months. 

- Dave answers a Facebook question from Chris. How can a family with below-average income get out of debt?

- Brian (Boise, ID) asks if he should do a credit card balance transfer to take advantage of a lower interest rate. 

- Raymond (Greenville, SC) is thinking of taking a pay cut so he can work closer to his wife and kids.  

- Ruben (Boise, ID) asks if he's a millionaire. 



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#8652: Cody and Jami Paid Off $100K in One Year!


Thu, Feb 16, 2017


Hour 1: Aired on Thursday, February 16, 2017

- Jeff (Sacramento, CA) wants to move into a lesser house but his wife is uneasy about it. 

- Dave answers a Twitter question from James. He wants to read books by Zig Ziglar. Where should he start?

- Ricardo (Bozeman, MT) is worried about private mortgage insurance (PMI) and isn't sure whether they should buy a home or not. 

- Neil (Tucson, AZ) needs help guiding his high school son toward college. 

- Cody and Jami (Bethlehem, PA) do their debt-free scream. They paid off $100,000 in one year. 

- Dave answers Will's question from Twitter. How do you know if your neighborhood is on the way up or down. 

- Nancy (Orlando, FL) can't afford to spend 25% of take-home pay on housing. 

- Chris (Orlando, FL) received a collection settlement letter, but it's not signed. Is it valid?

- Dave answers Jonny's question from Facebook. Is it wise to use Roth IRA money to pay cash for a home?

- Dave explains why it isn't wise to try to take shortcuts to reach your goals.  



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#8651: Ken Coleman, Anthony ONeal and Rachel Cruze Talk Prom


Wed, Feb 15, 2017


Hour 3: Aired on Wednesday, February 15, 2017

- Ken Coleman, Anthony ONeal and Rachel Cruze announce Anthony's $1,000 Prom Giveaway. They discuss their high school proms.

- Laura (Springfield, MO) can enroll in a student loan reimbursement program that will pay back 85%. Should she do it?

- Jackie (Oklahoma City) is considering refinancing a personal loan. 

- Ken, Anthony and Rachel answer Jen's question from Twitter. She always overspends on clothing. How can she dial it back?

- Ken, Anthony and Rachel read a Facebook message from someone who had to evacuate the California dam emergency and isn't worried about money.

- Abigail (San Luis Obispo, CA) doesn't want to take out student loans. Her mom does. What should she do?

- Ken, Anthony and Rachel answer Darby's question from Facebook. She's a senior and worried her parents won't have enough to send her to college. 

- Kate (St. Cloud, MN) wants to get a teen on board with the plan. 

- Yesenia (Los Angeles) just started the Baby Steps in January. Should they use their tax refund on an A/C repair or to pay down debt?

 



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#8650: Jason and Brittany Paid Off $700K! (Yes. $700K.)


Wed, Feb 15, 2017


Hour 2: Aired on Wednesday, February 15, 2017

- John (Austin, TX) wants to pay off student loans though it's not next in the debt snowball. 

- Larry (Tampa, FL) received a 1099-C about his written-off debt. Does he still owe it?

- Joe (Buffalo, NY) needs to know which debt to pay off first. 

- Amy (Chicago, IL) is tired of dumping money into old cars. 

- Tania (Hartford, CT) is teaching her kids with Financial Peace Jr., but she's still having trouble motivating her kids to handle money well.

- Jason and Brittany (Charlotte, NC) do their debt-free scream. They paid off $710,000 in 4.5 years. 

- Dave answers the Blinds.com question of the day. Christina is worried that her credit score will drop but not reach zero before they buy a house. 

- Taylor (Tri-Cities, WA) asks how to pay old phone company debt. 

- Dave encourages listeners to lead a Financial Peace University class. 

- Tracy (McAllen, TX) can't seem to get traction with money.



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#8649: Adam's Credit Score


Wed, Feb 15, 2017


Hour 1: Aired on Wednesday, February 15, 2017

- Larry (Houston, TX) wants to buy his dad's house. What's the best way to go about that?

- Adam (Phoenix, AZ) is trying to get out of his apartment and into a house. How can he build his credit score?

- Scott (Austin, TX) asks if he should pay off his house before investing. 

- Erin (Colorado Springs, CO) will make $20,000 on the sale of their house. What should they do with that money?

- Matt and Rachel (Dayton, OH) do their debt-free scream from the lobby. They paid off $75,000 in five years. 

- Shelly (Ogden, UT) is living on a limited income and is her elderly mom's caregiver. How can she make this work?

- Katrina (Huntsville, AL) asks if they should pay off their house. 

- Karlie (Sioux City, IA) is in a disagreement with her husband. His cancer diagnosis changed his money habits. He wants to save too much. 



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#8648: Will and Cara Paid Off $80K!


Tue, Feb 14, 2017


Hour 3: Aired on Tuesday, February 14, 2017

- Lewis (Oklahoma City) is an FPU coordinator. How can he coach a class member living on Social Security with massive medical debt?

- Cordell (Indianapolis, IN) asks about rolling a 401(k) into an IRA. What's the best way to diversify those investments?

- Dave answers Colleen's question from Facebook. Why would a credit rating go down if no changes were made?

- Dave talks about the importance of Financial Peace University. 

- Kenneth (New York, NY) doesn't have a job, but was gifted $10,000 and is getting $8,000 in his tax return. He owes $12,000 in debt. What should he do?

- Liz (Milwaukee, WI) recently moved back into a house they had been renting out. The neighborhood has gone down. Should they sell?

- Will and Cara (Knoxville, TN) do their debt-free scream from the lobby. They paid off $80,000 in less than 10 years. 

- Dave answers Sherwin's question from Twitter. How can he make sure his tax withholdings are correct so he doesn't have to pay or get a refund?

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Gary asks if credit cards provide more fraud protection than debit cards for online purchases. 

- Jenny (Pocatello, ID) has a family member living in their home who has a shopping addiction. 



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#8647: Christy Wright Joins the Guys to Talk Business


Tue, Feb 14, 2017


Hour 2: Aired on Tuesday, February 14, 2017

- Ken Coleman and Chris Hogan welcome Christy Wright to the show to talk Valentine's Day. 

- Leslie (Fort Smith, AR) is considering cashing in her whole life policy.

- Jeremy (Greenville, NC) is preparing to join the Coast Guard Reserves. How can he set himself up money-wise for the time he'll be away from work?

- Ken, Chris and Christy discuss Christy's new book, "Business Boutique," the pre-sale special, and the 1-day events. 

- Ken, Chris and Christy answer Jeff's question from Facebook. He's saving for an engagement ring. What's a reasonable amount to pay while on Baby Step 4?

- Kara (Dayton, OH) needs to file taxes on two home-based business, but doesn't know how. 

- Jake (Milwaukee, WI) wants to get his wife on board. 

- Mike (Portland, OR) is thinking about selling rental property to liquidate the cash and invest it. 

- Sarah gets her Facebook question answered. Is it ever a good idea to go into debt to start a business?

- Joseph (New York, NY) asks how to handle sinking funds in his budget. 

- Michelle (Pueblo, CO) has a 17-year-old who is headed to college with leftover money. 

- Ken, Chris and Christy answer Blake's question from Twitter. He's getting married next month. Any advice?



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#8646: Ken Coleman, Chris Brown and Chris Hogan Talk Valentine's Day


Tue, Feb 14, 2017


Hour 1: Aired on Tuesday, February 14, 2017

- Ken Coleman, Chris Brown and Chris Hogan talk about Valentine's Day and Chris Brown's V-Day blog at Stewardship.com. 

- Trevor (Louisville, KY) is in Baby Step 2. Should they buy term life insurance?

- Tracy (Boston, MA) isn't sure where paying the IRS should fit into the debt snowball. 

- Rick's question from Twitter gets answered. How much should he spend on a Valentine's gift for his girlfriend?

- Roger (San Francisco, CA) asks if whole life insurance is a bad thing. 

- James (Everett, WA) wants to use his mutual funds to pay down debt. 

- Thomas (Atlanta, GA) has a small business that is not doing so hot. How can he fix it?

- Rob (Hartford, CT) asks if filling out the FAFSA is required. 

- Jennifer (Columbia, MD) was recently divorced. They sold the house. What should she do with the $179,000 from the sale?

- Ken, Chris, and Chris answer Jenny's question from Twitter. She's saving up for a vacation. Should she book her flights with a credit card?

- David (Memphis, TN) has a goal of moving to NYC without debt. How should he apply his savings?

- Kelsey (San Diego, CA) has $15,000 in student loans. Her husband is deployed in the military. When should she start paying them off?

- Nate (Springfield, MO) is leaving a job that provided housing. Should they buy or rent? 

 



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#8645: How to Respectfully Resign From a Job


Mon, Feb 13, 2017


Hour 3: Aired on Monday, February 13, 2017

- Adam (Phoenix, AZ) is $80,000 in debt. His wife wants to stop working in four months. 

- Steve (Pittsburgh, PA) just got married. Should they buy a house?

- Dave talks about the importance of Financial Peace University. 

- Andy (Phoenix, AZ) accepted a higher-paying job. How should he resign from his current position?

- Eric (Lexington, KY) asks when to start teaching his 3-year-old about money and responsibility. 

- Mark and Kelsey (Grand Rapids, MI) do their debt-free scream from the lobby. They paid off $47,000 in 18 months. 

- Michael (Spokane, WA) took out a Parent Plus student loan for their child. Should they refinance it or pay it off?

- Dave shares the Scripture and quote of the day. 

- Ruben (Boise, ID) asks if a line of credit is comparable to having a credit card. 

- Stacy (San Luis Obispo, CA) has a friend who bought a $38,000 car last year and he's drowning in debt. 

- Tim (Detroit, MI) asks if a debit card is protected from fraud. 

- Rose (Colorado Springs, CO) is in a disagreement with her husband about helping his brother.



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#8644: Ken Coleman, Rachel Cruze, and Chris Hogan Guest Host


Mon, Feb 13, 2017


Hour 2: Aired on Monday, February 13, 2017

- Ken Coleman, Rachel Cruze, and Chris Hogan talk about Valentine's Day coming up tomorrow. 

- Trent (Sioux Falls, SD) asks if he should sell his pickup.

- Ken, Rachel, and Chris talk about the Smart Conference in San Antonio and Phoenix this Spring and introduce a special Valentine's offer. 

- Jay (Colorado Springs, CO) is thinking of selling his rental properties to get out of debt.

- Ken, Rachel, and Chris answer Stephanie's question from Twitter. She and her husband don't agree about money. One wants to save and the other wants to pay off debt.

- Amanda (Des Moines, IA) went into a credit counseling and consolidation program. Should she withdraw and just attack it herself? 

- Charlie (Kansas City, KS) is losing his roommate several months before the lease runs out. He's not on the lease, and they're not sure he'll hold up his end of the agreement. 

- Megan (Salt Lake City, UT) asks if they should move the car up in the Baby Steps. 



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#8643: The Budget, Cable, and Cigarettes


Mon, Feb 13, 2017


Hour 1: Aired on Monday, February 13, 2017

- Teresa (Minneapolis, MN) is considering taking money out of investments to pay off the mortgage. 

- David (Florence, AL) asks if he should move money from a traditional IRA to a Roth IRA.

- Diane (Dayton, OH) and her husband are first-time budgeters. He doesn't want to cut out cable and cigarettes. Is she being too over-the-top?

- Sue (Cincinnati, OH) is a single mom who's being laid off this summer. What should her next step be?

- Dave answers Steven's question from Twitter. His mom turned 60 this year. Is it too late for her to save for retirement?

- Chris and Stephanie (Atlanta, GA) do their debt free scream from the lobby. They paid off $160,000 in 14 months. 

- Joe (Denver, CO) and his wife had a baby. Does that change the debt snowball? 

- Dave answers the Blinds.com question of the day. Michelle says her husband is being too specific and nerdy about the budget meeting. What should it look like?

- Michelle (Orlando, FL) has a rental about 6 hours away with a negative cashflow. They're losing $50,000/year. Should they keep hope alive or sell?



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#8642: How to Stay Out of Debt


Fri, Feb 10, 2017


Hour 3: Aired on Friday, February 10, 2017

- Joe (Orlando, FL) is considering creative financing with zero-percent credit cards and his savings to fund a down payment on a house. 

- Dave answers Logan's question from Twitter. What are some basic tips to stay out of debt?

- Christina (Boise, ID) is getting a tax refund. Should she use it to pay off debts or to fill up the emergency fund?

- Freddy (New York, NY) is using a leased car for business. He's now $9,000 upside down on it. How can he get out?

- Dave shares the need to be smart about cars and work. Values go down fast. 

- Dave and Donna (Raleigh-Durham, NC) do their debt-free scream from the lobby. They paid off $144,158 in 35 months. 

- Barbara (Columbus, OH) asks if they should pay off student loans or the car first. 

- Dave shares the Scripture and quote of the day. 

- Michael (Memphis, TN) wants to expand their real estate portfolio after paying off their mortgage.

- Kathleen (Las Vegas, NV) has a $105,000 pile of cash. Should she hold on to it while her husband gets started in real estate? 



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#8641: Trevor and Jaclyn Paid Off $109K!


Fri, Feb 10, 2017


Hour 2: Aired on Friday, February 10, 2017

- Debra (Toledo, OH) is a senior citizen on a fixed income. Should they use mutual fund money to pay off their cars? 

- Dave talks about the importance of his most popular class, "Financial Peace University." 

- Kevin (Dayton, OH) is attending Financial Coach Master Training in April. Should he pursue a career as a financial coach?

- Angela (Wheeling, WV) is getting a tax refund. Should she use it on credit card debt or pay off a $6,000 car loan with a 24% interest rate?

- Dave explains why we should stop and think before making big purchases. 

- Trevor and Jaclyn (Kansas City, KS) do their debt-free scream. They paid off $109,390 in 3.5 years. 

- Chris (Austin, TX) is splitting an inherited IRA. How can they do it and avoid taxes?

- Ann (Baton Rouge, LA) is paying down debt with her husband, but they're interested in learning more about owning rental property.

- Lisa (Wilkes-Barre, PA) has three kids working for her retail business. How much commission should she pay?



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#8640: Javier's Having Collections Trouble.


Fri, Feb 10, 2017


Hour 1: Aired on Friday, February 10, 2017

- Javier (Phoenix, AZ) can't get collectors to send the settlement offer in writing. 

- Nicole (Fredericksburg, VA) recently discovered they're only paying interest on her husband's student loans. 

- Dave answers Collette's question from Twitter. What does Dave mean by "live on beans and rice, rice and beans?"

- Scott and Addie (Indianapolis, IN) do their debt-free scream from the lobby. They paid off $63,000 in 20 months. 

- Paul (Wichita, KS) asks about rolling over a Roth IRA.

- Dave answers the Blinds.com question of the day. Christina only has one debt that's six years old. Should she let it roll off of her credit report?

- Tyler (Boston, MA) needs to know how to increase his income to get out of debt faster. 

- Penny (St. Joseph, MO) owes $14,000 in medical bills from a car accident on the job. 

- Dave talks about Chris Hogan's best-selling book, "Retire Inspired."

- Tanya (Hartford, CT) has an 11-year-old car with high miles. Should she keep maintaining that one or buy a new one?

- Mike (Los Angeles) asks if his rent is too expensive.

- Dave answers Ashley's question from Twitter. How do you help a friend overcome an "I'm too broke to do a budget" mind-set?



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#8639: When Spouses Don't Agree


Thu, Feb 09, 2017


Hour 3: Aired on Thursday, February 9, 2017

- Chris (Tampa, FL) asks if they should take advantage of a government grant program to buy a house. 

- Dave answers Sarah's question from Twitter. Her retirement plan is a defined pension based on the last three years. Should she open an IRA and put 15% of her income in it?

- Dave talks about the digital marketing positions open at Ramsey Solutions. 

- Xavier (Chicago, IL) is caught between wanting to buy rental properties and paying down debt.

- Michael (Philadelphia, PA) wants to help his estranged niece with money she inherited.

- Pam (Raleigh-Durham, NC) does her debt-free scream. She paid off $41,724 in 14 months.

- Kirk (Montgomery, AL) is considering using mutual funds to pay off the house. 

- Dave shares the Scripture and quote of the day. 

- Tina (Wichita, KS) is a real estate agent. What should she do with her money? She disagrees with her husband. 

- Pam (Sacramento, CA) isn't on the same page with her husband and it's stressing her out. 



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#8638: The Craziest Things That Have Happened Live on the Show


Thu, Feb 09, 2017


Hour 2: Aired on Thursday, February 9, 2017

- Luis (Kansas City, MO) owes more on his car than it's worth. How does he get rid of it?

- Dave answers Rachel's question from Twitter. What's the craziest thing that has ever happened on air?

- Dave talks about upcoming live events. 

- Mike (Portland, ME) has a high schooler. How do they save for his college while they dig out of $100,000 in debt? 

- Kevin (Charlotte, NC) is considering buying his own big rig. Should he?

- Brandon (Raleigh-Durham, NC) has savings, but isn't sure what to do with it. 

- Douglas (Austin, TX) gained $60,000 after selling his house.

- Ebony (Birmingham, AL) wonders what to do with the annuity her husband inherited. 

- Joyce (Kansas City, MO) is 69 and asks if she should pay off the house if it will deplete her cash on hand.



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#8637: Charlie and Jennifer Paid Off $149K!


Thu, Feb 09, 2017


Hour 1: Aired on Thursday, February 9, 2017

- Pete (Nashville, TN) is investing for retirement, but he's thinking about stopping to fund a 529 account for the kids. 

- Justin (Fort Meyers, FL) is doing real estate part-time, and wants to make the leap to full-time. When should he do it?

- Chelly (Charlotte, NC) is behind on her student loan payments. 

- Allison (Allentown, PA) isn't sure how to attend medical school without incurring debt. 

- Charlie and Jennifer (St, Louis, MO) do their debt-free scream. They paid off $149,473 in 53 months. 

- Dave answers the Blinds.com question of the day. Kyle's wife isn't excited about the debt snowball and wants to work her own plan. It isn't working. 

- Neyssa (Allentown, PA) is moving in with her parents temporarily. Should they save up cash to move to Philly or pay off debt? 

- Debra (Atlanta, GA) asks why they need an emergency fund with their various sinking funds.  



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#8636: The Essence of Budgeting


Wed, Feb 08, 2017


Hour 3: Aired on Wednesday, February 8, 2017

- James (Atlanta, GA) isn't sure where to go after Baby Step 4. 

- Essence (Tulsa, OK) is paid biweekly. How can she budget?

- Dave responds to a Twitter question about the "magic month" he mentioned on the call with Essence. 

- Dan (Quincy, IL) asks if he should use Social Security to pay his mortgage. 

- Dave answers the Blinds.com question of the day. Candi's mortgage company hasn't been applying her extra payments to the principal. How can she fix that?

- Ashley (Atlanta, GA) wants to switch the order of the Baby Steps in their case. 

- Dave answers Sarah's question from Twitter. Should they give their middle school daughter an allowance to teach her about money? 

- Lin (San Antonio, TX) does her debt-free scream. She paid off $68,036 in 33 months.

-  Erika (Orlando, FL) is a single mom. Where does she start getting control of her money?

- Dave shares the Scripture and quote of the day. 

- Jeff (Orlando, FL) needs to fund his daughter's wedding but would like to do it without those pesky gift taxes. 

- Richard (Bloomington, IL) asks if he should sell his car.

 



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#8635: Country Artist John Rich Joins Dave in Studio


Wed, Feb 08, 2017


Hour 2: Aired on Wednesday, February 8, 2017

- Steve (Richmond, VA) isn't sure when to replace his car.

- Lauren (Charlotte, NC) and her husband are trying to figure out how to attack his $250,000 in law school student loans. He's having a hard time finding good work. 

- Country artist John Rich joins Dave in studio to talk about the launch of his "Redneck Riviera" in Las Vegas. 

- Dave talks about John's appearance at EntreLeadership Summit in May. 

- Omega (Brooklyn, NY) does a debt-free scream after paying off $42,000 in 7.5 months. 

- Amanda (Chicago, IL) asks if now is a good time to buy income-producing property. 

- Marville (Roanoke, VA) is considering using part of their emergency fund to make a down payment. It would take them from six months or readiness down to four. 

- James (Nashville, TN) needs to know how much to put toward debt each month. 

- Zachary (Los Angeles) asks how to attack student loan debt while in school. 



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#8634: Christy Wright Joins Dave in Studio


Wed, Feb 08, 2017


Hour 1: Aired on Wednesday, February 8, 2017

- Guest Christy Wright joins Dave in studio to discuss her new book, "Business Boutique", and the topic of women running small businesses.

- Candace (Dayton, OH) feels like her age is working against her in the hunt for clients. 

- Connie (Lafayette, IN) asks how to help her team understand the "why."

- Kenneth and Anna (Raleigh-Durham, NC) do their debt-free scream. They paid off $99,087 in 25 months. 

- Lucy (Orlando, FL) is calling for her husband. Her husband is a trustee for a property with the potential of a strip club as a tenant. 

- Jessica (Tampa, FL) has $250,000 in law school student loans and she's starting to panic.

 



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#8633: Ethan and Cady Paid Off $55K!


Tue, Feb 07, 2017


Hour 3: Aired on Tuesday, February 7, 2017

- Justin (Lansing, MI) asks how to handle a $2,000 gift given to his 1- and 3-year-old kids.  

- Katie (Orlando, FL) has four toddlers at home. Should she go to work at a preschool, which would mean a tuition discount?

- Dave talks about Christy Wright's new book, "Business Boutique."

- Scott (Chicago, IL) is paying his parents back for $50,000 in student loans. How fast can he do this making $100,000?

- Ethan and Cady (Springfield, IL) do their debt-free scream after paying off $55,000 in 28 months. 

- Malcolm (Austin, TX) is reaching a threshold on their deductible IRA. What are the best ways to invest now?

- Dave shares the Scripture and quote of the day.

- John (Minot, ND) is considering selling some paid-off rental properties to pay off his others. Should he? 

- Mason (Oklahoma City) can't seem to sell his mobile home. It's been on the market for three years. 



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#8632: Run, Run Rudolph


Tue, Feb 07, 2017


Hour 2: Aired on Tuesday, February 7, 2017

- Alicia (Nashville, TN) leased a minivan before reading Dave's book.

- Rick (Nampa, ID) is considering buying a new house. Should they?

- Darlene (Oklahoma City) is receiving money from mineral rights on property she's inherited. How should she invest it?

- Juanita (Dayton, OH) asks if reverse mortgages are ever a good idea. 

- Dave talks about openings here at Ramsey Solutions. 

- Rudolph (Madison, WI) has $50,000 in medical bills that has been turned over to collections. How can he settle? 

- Dave answers the Blinds.com question of the day. Eric is advising elderly clients who want to use a whole life policy to leave money for their church. Good or bad?

- Dave talks about George Orwell's "1984" being #1 on the Publisher's Weekly best-seller's list this week. 

- Ty (Eugene, OR) is running into problems with his mortgage bank. Is it ok to pay on his mortgage bi-weekly? 

- Jill (Leesburg, VA) owes $11,000 on their second mortgage on a $44,000 income. They're getting a $7,000 refund. In what Baby Step should they pay it off?



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#8631: Dating on a Tight Budget


Tue, Feb 07, 2017


Hour 1: Aired on Tuesday, February 7, 2017

- Leslie (Cleveland, OH) isn't sure how much life insurance they need. 

- Bethany (Rockford, IL) is considering enrolling in a public student loan forgiveness program. 

- Dave talks about the popular online budgeting tool, EveryDollar. 

- Ryan (Toronto, Ontario) is doing well in his business. Now what?

- Ashua (Phoenix, AZ) asks about paying off debt with stocks. 

- Kaysee (Baton Rouge, LA) does her debt-free scream. She paid off $23,000 in a year.

- Jean (Cincinnati, OH) has $3 million saved, and none of it is in investments. What should they do now?

- Darren (Sacramento, CA) has rental property in Southern California. Should they sell it to pay off debt?

- Dave answers Jason's question from Twitter. What does Dave do when he's not on the radio or at an event?

- Dave answers Joe's question from Twitter. If he's trying to be gazelle intense, how should he approach dating on a tight budget? 



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#8630: Use Emergency and Retirement Funds to Buy a Dream House?


Mon, Feb 06, 2017


Hour 3: Aired on Monday, February 6, 2017

- Chris Brown, host of "Chris Brown's True Stewardship," joins Dave in studio to discuss stewarding your marriage. 

- Bryan (Fargo, ND) is considering moving to Minnesota. Should they pause the Baby Steps? And should they get an apartment before buying a house?

- Aaron (Houston, TX) is working extra, but it's keeping him separated from his wife and is affecting their marriage. 

- Heath and Brittany (Harrison, AR) do their debt-free scream. They paid off $68,000 in 10 months. 

- Dave answers John's question from Twitter. Can Dave recommend books to improve hustle, drive, and motivation?

- Dave shares the Scripture and quote of the day. 

- Steve (Fresno, CA) and his wife have found their dream property. Should they use their emergency and retirement funds to buy it without financing? 



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#8629: Holy Toledo! Brad Wipes Out $144K


Mon, Feb 06, 2017


Hour 2: Aired on Monday, February 6, 2017

- Ashley (Indianapolis, IN) asks how to pay off student loans. 

- Jim (Pueblo, CO) is being offered an annuity by his financial advisor. Is this a good idea?

- Dave talks about the importance of Financial Peace University. 

- Lloyd (Lexington, KY) was diagnosed with cancer. His term policy expires in two years. Should he sell it for a "life insurance settlement?"

- Brad (Toledo, OH) does his debt-free scream. He paid off $144,000 in 53 months. 

- John (Chicago, IL) gets child support from his ex-wife. How should he use that? Pay off his car or save for his son's college?

- Dave answers Ann's question from Facebook. She has three credit cards. Shouldn't she pay off the one with the highest interest rate first?

- Stacy (Dallas, TX) is concerned about her husband putting money into his non-matching 401(k)?

- Bryan (Binghamton, NY) is in Baby Step 2. His wife wants to go back to school to become a nurse. She'd have to quit work. Is this a good idea?



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#8628: What to Attack After Student Loans


Mon, Feb 06, 2017


Hour 1: Aired on Monday, February 6, 2017

- Chris (San Antonio, TX) asks when to do Baby Steps 4–6. Should he save up for a home down payment first?

- Matt (Kingsport, TN) needs to know when to pay off timeshares and how to approach that in the Baby Steps. 

- Sarah (Pensacola, FL) is paying off student loans. What's next? The home or investing?

- Dave invites listeners to preorder Christy Wright's new book, "Business Boutique."

- Erik (Chicago, IL) is a college student. What should he do with the $13,000 he received from his grandfather?

- Stephanie (Mason City, IA) isn't getting any support from her family. 

- Matt and Tasha (Columbus, OH) do their debt-free scream. They paid off $40,000 in 15 months. 

- Dave answers the Blinds.com question of the day. Whitney has a 15-year-old son with no college savings. Should she stop Baby Step 2 and start saving?

 



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#8627: Joe and Amy Paid Off $126,600!


Fri, Feb 03, 2017


Hour 1: Aired on Friday, February 3, 2017

- Jaime (McAllen, TX) wants to maximize his wife's paycheck. 

- Dave talks about the Smart Conferences coming up in San Antonio and Phoenix.

- Meghan (Orlando, FL) is looking to buy a new-to-her car before getting rolling with the debt snowball. 

- Dave talks about the "Business Boutique" book releasing April 17.

- Nicholas (Detroit, MI) is getting married in October. He's $22,000 in debt and wants to save for the wedding. 

- Joe and Amy (Omaha, NE) do their debt-free scream. They paid off $126,600 in 41 months. 

- Dave answers the Blinds.com question of the day. Anna asks where back property taxes fall in Baby Step 2. 

- Dave shares the Scripture and quote of the day.

- Jim (Lexington, KY) asks if buying a farm was a good idea. 

- John (Tucson, AZ) wonders if they have enough retirement. 



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#8626: Surprise! Rachel Learns About an Extra $90K in Student Loans.


Fri, Feb 03, 2017


Hour 2: Aired on Friday, February 3, 2017

- Rachel (Boise, ID) just found out about another $90,000 in student loans her husband has. The in-laws just informed her. 

- Dave talks about the popular online budgeting app, EveryDollar.

- Ryan (Mason City, IA) wants to know where a small business startup would fit into the budget in Baby Step 2. His wife wants to start a business.

- Karen (Cincinnati, OH) isn't sure how to start her budget on EveryDollar due to bills that fluctuate, bonuses, stock options, and the like.

- Kunal (Raleigh-Durham, NC) screams "I'm debt free!" from the lobby after paying off $40,000 in six months.

- Cliff (Greensboro, NC) is coordinating a Financial Peace University class. He's concerned one of his students is enabling her mom. 

- Jane (New Orleans) is considering paying off her mortgage. 



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#8625: Large Estate, Little Taxes


Fri, Feb 03, 2017


Hour 1: Aired on Friday, February 3, 2017

- Jason (San Francisco) has a grown son with cancer living with them. Are they enabling him? 

- Maria (Los Angeles) asks which 401(k) option she should go for and if she should sell her company stock to pay off her house. 

- Emily (Birmingham, AL) wants to start a financial coaching business. Her husband thinks she should wait until they're out of debt. 

- David (Salt Lake City, UT) isn't sure they should help a sick friend since they don't have a lot of money on hand. 

- Deanna and Jeremy (Peoria, IL) do their debt-free scream. They paid off $90,000 in 45 months. 

- Dave promotes the radio show, "Chris Brown's True Stewardship." 

- Kris (Minneapolis, MN) has Parent PLUS loans. Should she pay them off or take part in any available debt-relief programs? 

- Jonathan (Louisville, KY) asks about the most tax-efficient way for his father to pass his large estate down to the kids. 

- Dave answers Daniel's question from Twitter. Should he wait to start investing for retirement until he has a down payment for a house?



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#8624: Dr. Les Parrott and Rachel Cruze Talk Valentine's Day


Thu, Feb 02, 2017


Hour 3: Aired on Thursday, February 2, 2017

- Jessica (Dallas) is getting a tax refund this year. What should she do with it?

- Dave shares the keys for getting and staying out of debt. 

- Bradley (San Antonio) does his debt-free scream from the lobby. He paid off $67,000 in a year. 

- Dr. Les Parrott and Rachel Cruze join Dave in studio to talk about the upcoming Money and Marriage events in Minneapolis, Cincinnati and Chicago.

-  Dave, Les and Rachel talk about Valentine's Day and how men and women approach it differently. 

- Dave shares the Scripture and quote of the day. 

- Les and Rachel talk about the Deep Love assessment (found at DeepLoveAssessment.com). 

- Allison (Monroe, LA) isn't on the same page with her husband on money. 



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#8622: Tommy and Mary Paid Off $72K!


Thu, Feb 02, 2017


Hour 1: Aired on Monday, February 2, 2017

- Josh (Colorado Springs) needs priorities in paying off his debt. 

- Gene (Philadelphia) asks if he should pay off his VW considering the buyback offer. 

- Dave answers Smith's question from Twitter. He's been laid off for five months, the emergency fund is shot, and he may lose his home soon. What should he do?

- Tommy and Mary (Atlanta, GA) do their debt-free scream from the lobby. They paid off $72,311 in 33 months. 

- Megan (New York, NY) is renting but is thinking about buying a house and commuting into the city. 

- Author Chris Hogan joins Dave in studio. Dave and Chris talk about the upcoming EntreLeadership Summit event, the importance of single people saving for retirement, and the importance of communicating with your spouse. 

- Maria (Los Angeles) asks if she should use stocks and a Roth IRA to pay off the house. 

- Dave and Chris talk about the R:IQ tool at chrishogan360.com.



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#8621: Roanne and Laurence Paid Off ˆ32K!


Wed, Feb 01, 2017


Hour 3: Aired on Wednesday, February 1, 2017

- Katie (Provo, UT) is gazelle intense on their goals, but should she help their daughters through college?

- Dave answers Glenn's question from Facebook. His company is offering a pension buyout. Should he roll it into an IRA?

- Dave answers the Blinds.com question of the day. Dave asks if gold should be a part of his retirement plan?

- Daniel (Kearney, NE) inherited farm real estate seven years ago. Should he sell it and invest elsewhere?

- Roanne and Laurence (Birmingham, England) do their debt-free scream. They paid off ˆ32,000in six months. That's $48,000 in US currency! 

- Selena (Chicago, IL) is trying to help her brother's widow. She needs help with the will, life insurance, probate, etc.

- Dave shares the Scripture and quote of the day. 

- Brian (Jacksonville, FL) is saving money while in the military. What should he do with it? 

- Albert (Dallas, TX) is trying to decide between saving for a down payment on a house or opening a Roth IRA. 

- Jesse (Dothan, AL) has a fianc?e using debt consolidation. Is there a way to get that debt back from the dispute company?



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#8620: Sell the House to Pay Off Student Loans?


Wed, Feb 01, 2017


Hour 2: Aired on Wednesday, February 1, 2017

- William (Orlando, FL) is trying to decide between a Roth and a Traditional IRA.

- Vincent (Pensacola, FL) owns a house with his ex-girlfriend. 

- Kevin (Chattanooga, TN) wants to get his money under control and get out of debt. Where does he start?

- Sam (Birmingham, AL) owes $34k on his truck. He could only get around $30k for it.

- Dave talks about some of the openings at Ramsey Solutions. 

- Lisa (Spokane, WA) needs next steps for her husband who is being laid off. 

- Michael (Dallas, TX) wants to start a small woodworking business, but doesn't know how to run a company. 

- Jamie (Syracuse, NY) asks if he should pay off his truck or sell it. 

- Dave answers Katie's question form Twitter. Should they sell their home to pay off student loans and be 100% debt-free?



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  • Published: 2002
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