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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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Podcast Episodes




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#8588: The Will of Fortune


Tue, Jan 17, 2017


Hour 3: Aired on Tuesday, January 17, 2017

- Zach (Lincoln, NE) wants to get his girlfriend on board with Dave's principles. 

- Courtney (Denver, CO) wants to know how to use the UTMA (Uniform Transfers to Minors Act).

- Dee and Brandon (Pueblo, CO) ask which debt they should pay off first. 

- Tyler and Katelyn (Tyler, Texas) do their debt-free scream from the lobby. They paid off $60,000 in 22 months. 

- Dave answers Audrey's question from Twitter. She wants to make an extra mortgage payment each month. What time of the month should she do that?

- Dave shares the Scripture and quote of the day. 

- Dan (Traverse City, MI) knows he needs to restructure his will now that his kids are becoming adults.

- Dave talks about being a manager of God's money and how that factors into crafting a will. 

- Aaron (Salt Lake City, UT) has been offered a mortgage recast by his bank. Is this a good idea?



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#8587: David and Mindy Paid Off $418K!


Tue, Jan 17, 2017


Hour 2: Aired on Tuesday, January 17, 2017

- Jean (Binghamton, NY) isn't on the same page with her husband. How can they fix that?

- Daniel (Dallas, TX) asks if they should sell the house and move into an apartment to pay down their student loans. 

- Karen (Columbus, OH) wants to be equally fair to each of her kids. 

- Mike (Atlanta, GA) asks how to manage being in a student loan forgiveness program versus paying it off. 

- David and Mindy (Salt Lake City, UT) do their debt-free scream. They paid off $418,000 in less than four years. That's not a misprint. 

- Dave talks about the importance of EveryDollar.

- September (Indianapolis, IN) asks what's the best way to pay off student loans. 

- Mark (Eau Claire, WI) isn't sure how much of his cash reserves he should spend to build a new house. 



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#8586: Billy's 18 Houses


Tue, Jan 17, 2017


Hour 1: Aired on Tuesday, January 17, 2017

- Oscar (Albuquerque, NM) is in debt with rental property. Should he take the money out of an investment to pay it off? 

- Robert (Phoenix, AZ) is considering selling his house and renting to pay off credit card debt. 

- Dave answers the Blinds.com question of the day. Charlotte can't afford the payments on their payday loans. What do they do?

- Stacie (Centralia, MO) has two kids who work. What are the tax implications for opening Roth IRAs for them?

- Kelly and Shannah (Plano, TX) do their debt-free scream. They paid off $145,000 in six years and four months. 

- Dave follows up on that call. 

- Elizabeth (Des Moines, IA) received a 1099 for debt forgiveness. 

- Danny (Louisville, KY) has his daughter and son-in-law living with them, and now she's pregnant. Should they move on?

- Mary Beth (Tulsa, OK) wants to finance a new van.

- Dave answers Billy's question from Twitter. He owns 18 rental houses outright. He wants to be in real estate full-time. Advice?



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#8585: Gennean From Dave's Team Is Debt-Free!


Mon, Jan 16, 2017


Hour 3: Aired on Monday, January 16, 2017

- Mary (Salt Lake City, UT) is considering downsizing to a smaller house. Is this wise?

- Lyden (Phoenix, AZ) has $35,000 in student loan debt to a school that is no longer open.

- Dave talks about speaking this past weekend at Thomas Road Baptist Church in Lynchburg, Virginia, and the church's involvement in Momentum.

- Dave talks about the importance of Financial Peace University. 

- Marissa (Houston, TX) asks if they should sell their third vehicle. She also wonders if they should put that money toward the house or keep it in case they have problems with one of their other cars.

- Deb (Kalamazoo, MI) asks if they should take money out of retirement to pay off the house. 

- Gennean, who is a team member at Ramsey Solutions, paid off $28,000 in 21 months! She gives her debt-free scream from the lobby.

- Dave shares the Scripture and quote of the day.

- Amy (Seattle, WA) says her friends want her to travel with them, but they're in debt. Should she go? 



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#8584: Anthony ONeal talks teens.


Mon, Jan 16, 2017


Hour 2: Aired on Monday, January 16, 2017

- Anthony ONeal joins Dave in studio to talk about teaching kids to set goals. 

- Dave and Anthony talk about the Smart Money Tour coming up this spring. 

- Dave and Anthony talk about money issues teens face. 

- Michael (Portland, OR) is in Baby Step 1. Should he and his wife fly out to see her gravely-ill brother?

- Jessica (Fresno, CA) wants to know how she can help stop her mom from making an unwise money decision. 

- Becca (Sacramento, CA) does her debt-free scream. She paid off $34,000 in 21 months. 

- Dave talks about the Southwestern Books International Convention. 

- Dave answers Shana's question from Twitter. Should she attack her student loans if she qualifies for a public loan forgiveness program?

- Dave rants about how being poor doesn't make you a good person any more than being rich makes you a bad person. 

 



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#8583: Dawn and Jason Paid Off $92K!


Mon, Jan 16, 2017


Hour 1: Aired on Monday, January 16, 2017

- Tiffany (Charlotte, NC) feels she could be enabling her mom. 

- Lisa (Hartford, CT) asks about an annuity in a life insurance policy. 

- Keith (Concord, NH) asks Dave if they should reorganize the debts in their debt snowball. 

- Dave talks about the convenient and easy-to-use budgeting tool EveryDollar. 

- Chris (Cleveland, OH) is living in an inherited property from grandma. How do they handle splitting it with the siblings?

- Dawn and Jason (Springfield, IL) do their debt-free scream. They paid off $92,000 in 25 months. 

- Dave answers the Blinds.com question of the day. Robert asks if it's better to pay off the debt with the highest amount first or the one with the highest interest rate?

- James (Gillette, WY) needs to know how much he should add to his 401(k).

- Tim (York, PA) is considering moving out of his condo and into a house.

- Chris (Denver, CO) asks how to calculate quarterly stock into the budget. 



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#8582: Should Lu Open a Roth IRA?


Fri, Jan 13, 2017


Hour 3: Aired on Friday, January 13, 2017

- Mike (Phoenix) asks which mortgage he should pay off first: the rental property or his home.

- Kyle (Atlanta) wonders if he's fit to lead a Financial Peace University class.

- Dave talks about Financial Peace University.

- Brett (Kansas City, MO) questions if he's on the right track.

- Lu (Atlanta) asks if she should cut back on her debt payoff to open a Roth IRA.

- Jared and Laura (Atlanta) are in the lobby to give their debt-free scream. They paid off $295,000 in six years!

- Ryan on Twitter asks: What is Dave's preferred type of rental real estate?

- Dave reads the Scripture and quote of the day.

- Kerry (Chicago) wonders how to get out of a timeshare.

- Jennifer (Houston) is 24. She wonders how she can retire by 40 and put money into places where she won't be penalized.



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#8581: How to Advise Young Adult Daughter on Managing $100K


Fri, Jan 13, 2017


Hour 2: Aired on Friday, January 13, 2017

- Heather (Orlando, FL) says her husband wants to stop the plan. She asks Dave for advice.

- Dave discusses the upcoming Smart Money tour. 

- Katie (Salt Lake City, UT) wants to know the best way to start a side business.

- Dave discusses Business Boutique with Katie.

- Dave talks about the EntreLeadership Summit coming to Orlando in May.

- Dave answers the Blinds.com question of the day. Hannah asks how to balance supporting the family today while she's also saving and planning for a better future with their kids. 

- Cathy (Houston, TX) wants to know if she should keep one credit card.

- Samantha (New York, NY) asks Dave how she should go about setting herself up financially after starting over.

- Reid and Victoria (West Palm Beach, FL) are in the lobby to give their debt-free scream after paying off $190,000 in 22 months.

- Stella (Calgary, Alberta) wants to know how to give wise advice to her young adult daughter about managing $100,000 she recently received.

- Alex (Charlotte, NC) is living with his parents and graduating from college in May. How much should he spend on rent while pursuing his Ph.D.?

- Ann (Dominican Republic) wants to know if she should move funds from their TSP.

- Louis (Baltimore, MD) asks Dave if he should use his 401(k) to pay off debt. 



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#8580: Should I Give Money to My 21-Year-Old?


Fri, Jan 13, 2017


Hour 1: Aired on Friday, January 13, 2017

- Kayla (Atlanta, GA) asks Dave if it makes sense for her to move to a more expensive house. 

- Dylan (Fargo, ND) wants to know if he should keep his credit card open.

- Bruce on Twitter wants to know how to start a Financial Peace University class.

- Dave discusses the upcoming Smart Conference.

- Kyesha (Atlanta, GA) wants to know if she should invest in a Roth or Traditional IRA.

- Jon and Sarah (Kansas City, KS) make their debt-free call from the lobby after paying off $60,000 in 23 months. 

- Christine (Phoenix, AZ) has a question about Social Security versus a 401(k).

- Martin (Kansas City, MO) wants to know if he should purchase a house.

- Diane (Jackson, MS) asks Dave if she should give money to her 21-year-old daughter. 



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#8579: Jennifer Wants to Get Out of Debt. Her Husband Wants a Boat.


Thu, Jan 12, 2017


Hour 3: Aired on Thursday, January 12, 2017

- Joshua (Oklahoma City, OK) has a question about his employer's 401(k) match.

- Matt (Boise, ID) received money from a settlement and wants to use it for his kids' college funds.

- Kenny on Twitter says he's bad at saving money. He asks Dave if he should put a higher percentage in his 401(k) to help with his future.

- Dave talks about the EveryDollar budgeting tool.

- Amy (Birmingham, AL) wants to know how much of a down payment is needed for a house.

- Darcy (Peoria, IL) says she feels stuck on Baby Step 4 and asks Dave for advice.

- Cole on Facebook wants to know Dave's opinion on car flipping.

- Cody (Phoenix, AZ) is 19. He wants to know if he should pause Baby Step 3 to pay for college tuition. 

- Medrad (Boston, MA) wants to know if using annuity to pay for loans is a good move.

- Jennifer (Providence, RI) says her husband wants a boat, but she wants out of debt.

- Courtney (Atlanta, GA) wants to know the best way to pay off student loans.

- Vicki (Colorado Springs, CO) says her advisor is telling her to sell stocks and get a variable annuity. What does Dave think? 



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#8578: Should I Cash Out a Whole-Life Policy?


Thu, Jan 12, 2017


Hour 2: Aired on Thursday, January 12, 2017

- Crystal (Key West, FL) asks Dave how to quickly pay off her house. 

- Ernesto on Twitter wants to know if manual underwriting is available for any type of loan. 

- Dave talks about the deals available at the daveramsey.com store.

- Neil (Dallas, TX) wants to know if he should factor mandatory teacher retirement as part of the 15% in Baby Step 4.

- Mary (Denver, CO) is caught in insurance red tape and wants to know how to handle a $1,500 ambulance bill. 

- Adam (Quincy, IL) asks Dave if he should pay his mortgage or HELOC (home equity line of credit) first.

- Joel (Peoria, IL) wants to know how to grow his kids' money.

- Stephanie (Baton Rouge, LA) asks Dave how much financial aid should she get for her daughter.

- Tina (Houston, TX) opened a whole life insurance policy for her mom. Now she wants to cash it out and give her mom the money. Good move? 

- Daniel on Twitter asks Dave what he thinks about someone getting a mortgage in their name to help their parents, who are bad with money. 



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#8577: What Should I Do With My $400K Life Insurance Payout?


Thu, Jan 12, 2017


Hour 1: Aired on Thursday, January 12, 2017

- Jeremy (Lansing, MI) recently got an increase in his take-home pay and has a question for Dave.

- Paul (Detroit, MI) wants to know if he should invest in his cousin's restaurant in another state. 

- Dave answers the Blinds.com question of the day. Cynthia has $19,000 worth of student loans in garnishment. Should she clean those up before starting the Baby Steps?

- Kim (Memphis, TN) received a $400,000 insurance payoff and wants to know what to do with it. 

- Ramsey personality Christy Wright joins Dave to talk about women-owned small businesses and her event, Business Boutique. She also discusses the digital mentoring groups she's starting at businessboutique.com. 

- Tracy (Huntsville, AL) asks Christy and Dave how do you know when to start a small business. 

- Jackie (Miami, FL) wants to know if she needs separate LLCs for her side businesses. 



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#8576: Joanie and the Upside Down Car


Wed, Jan 11, 2017


Hour 3: Aired on Wednesday, January 11, 2017

- Ruth (Seattle, WA) asks if she should slow her snowball roll to get a better apartment closer to work.

- John (Albany, NY) asks if he should refinance his mortgage. 

- Dave talks about the deals in the online store at daveramsey.com. 

- David (El Paso, TX) has an Army Emergency Relief loan. Where should it go in the debt snowball?

- Dave answers the Blinds.com question of the day. Elizabeth is in Baby Step 2 and expecting a child. Her grandmother has offered to cash in a bond to pay off their debt, but they'd feel guilty. 

- Joanie (Fayetteville, NC) owes more on her car than its worth. 

- Arianne and Derek (Yukon, OK) do their debt-free scream. They paid off $43,378 in 29 months. 

- Jared (Morgantown, WV) is considering waiting until the end of the year to pay off his car. He's concerned that paying it off will hurt his credit. 

- Dave shares the scripture and quote of the day. 

- John (Honolulu, HI) asks if he should pay down debts or use that money to move to the mainland. 

- Joel (Lancaster, PA) asks how overtime pay fits in to the budget. 

- Dave answers Nolan's question from Facebook. How can he get a job while in college?



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#8575: Bruno and Brielle Break Free


Wed, Jan 11, 2017


Hour 2: Aired on Wednesday, January 11, 2017

- Derrick (Louisville, KY) has more than $200,000 in debt. 

- Jevin (El Paso, TX) is just getting started with the plan. 

- Dave talks about the importance of Financial Peace University.

- Rob (Tampa, FL) is wondering if he should keep a survivor benefit.

- Alexa (Phoenix, AZ) is buying her first new house at 21. 

- Bruno and Brielle (Dallas-Fort Worth) do their debt-free scream. They paid off $84,000 in three years. 

- Jessica (Kalamazoo, MI) asks if they still need to save for college in Baby Step 5. Their kids get college paid for through a government program. 

- Dave answers Michelle's question from Twitter. Does Dave prefer ESA (Education Savings Accounts) over 529 plans?

- Dave answers Jose's question from Twitter. Is a will sufficient to avoid probate or should he get a living will? 

- John (Kalamazoo, MI) asks advice on the best way to spend a tax refund.

- Dave answers Brandi's question from Facebook. How can she handle constant calls from creditors?



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#8574: Chris Hogan Joins Dave in Studio


Wed, Jan 11, 2017


Hour 1: Aired on Wednesday, January 11, 2017

- Katie (St. Louis, MO) is considering cashing out an inherited annuity. 

- Madaje (Boston, MA) is in a relationship, and her boyfriend is dependent on her for money. 

- Jim (Des Moines, IA) is 66. What's the best way to handle his debt?

- Raymond and Tammy (Seattle, WA) do their debt-free scream. They paid off $21,300 in less than 11 months. 

- Larry (San Antonio, TX) asks about owner financing.

- Chris Hogan joins Dave in studio. Ramsey Research shows 53% of Baby Boomers have no plans to save for retirement. 

- Chris announces the Retire Inspired book challenge at chrishogan360.com.

- Kyle (Houston, TX) needs a retirement pep talk. 

 

 



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#8573: The Dawn of a New Era


Tue, Jan 10, 2017


Hour 2: Aired on Tuesday, January 10, 2017

- Ramsey personality and radio show host Chris Brown joins Dave in studio to discuss stewardship. 

- Chris talks about his upcoming schedule. 

- Dave answers Mandy's question from Facebook. If insurance rates have dropped, should she change plans to get a cheaper rate?

- Lynn (Colorado Springs, CO) asks how to properly give debit cards to staff.

- Dave shares the Scripture and quote of the day. 

- Dawn (Dallas, TX) is a single mom who is $100,000 in debt. She's working through Baby Step 2 and worried it's going to take too long. 

- Karen (Atlanta, GA) wants to re-energize her eBay business. 



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#8572: Bond. Savings Bond.


Tue, Jan 10, 2017


Hour 2: Aired on Tuesday, January 10, 2017

- Dave answers Michael's question from Twitter. Then rants about it. What does Dave think about the Washington Post saying millennials needing to save twice as much for retirement?

- Joe (Memphis, TN) asks if they should buy more land. 

- Brooke (San Antonio, TX) is afraid it's too late for her to save. 

- Dave talks about the importance of Financial Peace University. 

- Dave answers the Blinds.com question of the day. Lori asks if it's ok to use her saving bond cash to pay off debt. 

- Scott (Louisville, KY) is splitting leftover money from a 529 savings account with his daughter after she graduates. How can he do this without getting slammed with taxes?

- Skylin (San Antonio, TX) asks which loan to pay off first. 

- Karen (Richmond, VA) needs to pay off consumer debt and the house. Which first?

- Marcus (Chicago, IL) is trying to figure out which college to attend. He's weighing the costs versus the value. 



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#8571: Retiring Strong in Boston


Tue, Jan 10, 2017


 

Hour 1: Aired on Tuesday, January 10, 2017

- Mitch (Oakland, CA) has debts, and his wife wants to pay off the car first. 

- Brandon (Lansing, MI) is 25 and single. He paid off $35,000 last year. How should he organize what's left?

- Dave talks about the specials going on in the online store at daveramsey.com. 

- Patrick (Boston, MA) is 55 and worried about this retirement in 10–12 years. 

- Dave talks about Chris Hogan's R:IQ retirement calculator.

- Jessicca (Sacramento, CA) does her debt-free scream. She paid off $13,000 in 9 months.

- Dave talks about upcoming churches he'll be speaking at and live events.

- Mohammed (Nashville, TN) is trying to decide between a career in the pharmaceutical world or IT.

- Howard (San Diego, CA) asks what he should do with his family property. 

 

 

 



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#8570: Peter and Rebecca Paid Off $215K in 17 Months!


Mon, Jan 09, 2017


Hour 3: Aired on Monday, January 9, 2017

- Dave runs down the various ways to listen to and watch the show. 

- Andy (Milwaukee, WI) is done with Baby Step 5. Or is he?

- Dave welcomes new radio stations in San Diego, Memphis, and Buffalo.

- Andrea (San Antonio, TX) is using a Thrift Savings Plan to pay off debt.

-  Kelli (Phoenix, AZ) needs advice on paying for her son's grad school. 

- Peter and Rebecca (Duluth, MN) do their debt-free scream. They paid off a whopping $215,600 in 17 months. 

- Dave shares the Scripture and quote of the day. 

- Jenny (Charlotte, NC) paid a collector over the phone today. Her husband is now ticked. Did she do something wrong? 

- Alex (San Diego, CA) asks how to allocate funds across various retirement accounts. 

- Dave answers Dara's question from Twitter. She has five open accounts with one collection agency. They're all medical. Should she snowball them one at a time or keep them together. 

 



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#8569: Regina and T.J. Paid Off $134,000 in 29 Months!


Mon, Jan 09, 2017


Hour 2: Aired on Monday, January 9, 2017

- Dave rants about student loans. 

- Jon and Leslie (Portland, OR) bring a question from the lobby. Their debt snowball will take several years. Should they stop funding retirement during that time?

- Quinn (Los Angeles) asks when to save for a new car. 

- Regina and T.J. (Cincinnati, OH) do their debt-free scream. They paid off $134,000 in 29 months!

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

- Sarah (Savannah, GA) is getting married soon. She just bought a car and is considering going back to school.



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#8568: Where to Start Investing?


Mon, Jan 09, 2017


Hour 1: Aired on Monday, January 9, 2017

- David (Annapolis, MD) isn't sure if he should renew his mortgage license. 

- Jackie (Mount Vernon, IL) needs advice. Her husband travels a lot for work. 

- Dave talks about the Business Boutique podcast. 

- Dave answers the Blinds.com question of the day. Nicks asks if they need separate life insurance plans for each of their kids. 

- Justin (Tulsa, OK) needs a plan for paying off their debt. 

- Ben (Indianapolis, IN) was on the receiving end of payroll errors. How can he approach his employer to make sure he gets paid properly?

- Josh (Bloomington, IN) does his debt-free scream. He paid off $40,000 in less than 10 months. 

- Serena (Augusta, GA) is 25. Where does she start investing?

- Dave answers Jared's question from Twitter. Is it smart to move to another city to pay off debt if your salary stays the same, but the cost of living is cheaper?

- Dave talks about tonight's college football national championship.

- Kim (Roanoke, VA) asks if she should refinance student loans. 

- Naeen (Ottawa, Ontario) is $40,000 in debt. Should she finance a new car?



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#8567: A Cash Advance to Pay Off Debt?


Fri, Jan 06, 2017


Hour 3: Aired on Friday, January 6, 2017

- Maria (Los Angeles) asks if they should sell their house to pay off their debt and then rent until they save enough to buy a new one. 

- Carlos (Los Angeles) got a cash advance to pay off debt, student loans, and a car lease. Which should he pay off first? 

- Joshua and Maria (Sacramento, CA) do their debt-free scream. They paid off $55,000 in 33 months. 

- Dave talks about the Money and Marriage events coming up this spring with Rachel Cruze and Dr. Les Parrott. 

- Donovon and Leah (Effingham, IL) do their debt-free scream. They paid off $35,500 in 2.5 years. 

- Dave talks about the upcoming Business Boutique 1-Day events. 

- Dave shares the scripture and quote of the day. 

- Luis (Jacksonville, FL) asks when he should pay off his business debt (real estate loans) in the snowball. 

- John (Columbus, OH) wants to rebalance his mutual funds since international stocks aren't doing as well. Should he?

- Philip (Atlanta, GA) asks how long it should take him to get out of debt. 

 



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#8566: Blowing a $2M Settlement


Fri, Jan 06, 2017


Hour 2: Aired on Friday, January 6, 2017

- Maggie (Kansas City, MO) just signed up for a heath savings account (HSA). How do they use it in conjunction with their emergency fund?

- Dave talks about why he believes HSAs will be one of the solutions to whatever replaces Obamacare.

- Dave talks about EveryDollar, the budgeting tool.

- Gary (Lansing, MI) is nearing retirement, but has no plans to retire anytime soon. Should he stop funding his retirement account?

- Bob (Midland-Odessa, TX) wants to help his mom manage the $950,000 she received in life insurance after his father's death. 

- Lee and Nadine (Indianapolis, IN) do their debt-free scream from the lobby. They paid off $94,600 in 2 years.

- Diane (Columbus, OH) recently lost her father. What should she do with his annuity?

- Giovanni (Baton Rouge, LA) has an adult nephew receiving $2 million in a settlement. How can he make sure he doesn't blow it?



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#8565: Brent and Jennifer paid off $134k in less than a year!


Fri, Jan 06, 2017


Hour 1: Aired on Friday, January 6, 2017

- Samantha (Detroit, MI) needs to repair her car. 

- Shannon (Orlando, FL) is living with her parents whiles she pays off debt. Should her next step be to buy a house or rent?

- Kecia (Orlando, FL) has student loans that total more than her mortgage. Should she still pay off the student loans first?

- Jordan (Cincinnati, OH) has a home more than 100 years old worth around $130,000. Should they spend $45,000 to replace the foundation/basement?

- Marty (Bentonville, AR) asks if they should take money out of mutual funds to pay off the house.

- Brent and Jennifer (St. Louis, MO) do their debt-free scream from the lobby. They paid off $134,000 in 10 months. 

- Dave answers the Blinds.com question of the day. Samantha asks if she should consolidate her student loans or prioritize them in the debt snowball. 

- Dave talks about the Envelope Systems and wallets available at DaveRamsey.com. 

- Nadina (New York, NY) is getting rid of a whole life insurance policy at 62. What should she replace it with?

- Dave answers Breanne's question from Twitter. Does Dave recommend separate savings accounts for various sinking funds?

 



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#8564: Chris and Amanda Ditch Their Debt


Thu, Jan 05, 2017


Hour 3: Aired on Thursday, January 5, 2017

- Sharon (Phoenix, AZ) asks how to prioritize her budget. 

- Fernando (Denver, CO) wants to buy real estate. 

- Dave talks about the importance of Financial Peace University. 

- Dave answers the Blinds.com question of the day. Kara asks Dave if he'd review the order of the Baby Steps. 

- Richard (Toronto, Ontario) lives with his parents. When should he move out?

- Chris and Amanda (Indianapolis, IN) do their debt-free scream. They paid off $47,990 in 31 months. 

- Dave shares the Scripture and quote of the day. 

- Peter (Chico, CA) wants to help his dad's new business and be a partner. How can he do this?

- Garnet (Harrisburg, PA) is concerned about his wife entering a network marketing partnership. 

 



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#8563: Marco's $80K Settlement Money


Thu, Jan 05, 2017


Hour 2: Aired on Thursday, January 5, 2017

- Rachel Cruze joins Dave in studio.

- Rachel announces the new Money and Marriage event where she'll be sharing the stage with Dr. Les Parrott. 

- Jessica (Phoenix, AZ) is saving money for a surgery. Should she use it to pay off debts?

- Tanner (Midland-Odessa, TX) needs help knowing how to pay off a new vehicle. 

- Tam (Dallas-Ft. Worth, TX) does his debt-free scream. He paid off $44,000 in 23 months. 

- Christian (Albany, GA) is confused on Baby Steps 5, 6, and 7. He's a single guy with no home or kids. 

- Alex (Amarillo, TX) is a first-time homebuyer. 

- Marco (Kansas City, MO) is coming into settlements of more than $80,000. What should he do with this money? 

- Jennifer (Wichita, KS) is considering filing bankruptcy. Should she?



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#8562: How to Organize Debts


Thu, Jan 05, 2017


Hour 1: Aired on Thursday, January 5, 2017

- Jessica (Greenville, SC) is ready to tackle her debt. What's the best way to do that?

- Brian (Phoenix, AZ) asks which is more beneficial: a Roth IRA or a Roth 401(k)?

- Dave talks about the bundles available at DaveRamsey.com. 

- Brittney (Little Rock, AR) is about to start the Baby Steps. Should she sell her car first?

- Gloria (Tucson, AZ) wants to rent a car in-town but doesn't have a credit card.

- Emily and Morgan (Houston, TX) do their debt-free scream from the lobby. They paid off $20,600 in 7 months. 

- Dave talks about his upcoming visit to Second Baptist Church in Houston this weekend. 

- Andre (Fayetteville, NC) asks about buying a car in the Baby Steps.

- Carl (Macon, GA) wants to open a Roth IRA. What's the best way to do that?

- Steven (Montreal, Quebec) asks if he should transfer his loan into Canada.

- Lee (Eugene, OR) needs help organizing debts. 

 



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#8561: Chewing Up $305K in Guam


Wed, Jan 04, 2017


Hour 3: Aired on Wednesday, January 4, 2017

- Jacob (Oklahoma City) is caught between selling the car or paying it off. 

- Devon (Fort Smith, AR) has one debt left. It's in cattle. Should he sell them?

- Dave talks about the EntreLeadership Summit event coming to Orlando in May. 

- Carolyn (Dallas, TX) needs help advising her sister. 

- Christina (San Jose, CA) asks if they should invest while in Baby Step 6.

- David and Annie (Yigo, Guam) do their debt-free scream. They paid off $305,592 in 25 months. 

- Dave answers Rosa's question from Facebook. What does Dave think about the investing app that allows you to save a little at a time?  

- Dave shares the Scripture and quote of the day. 

- Matthew (Toronto, Canada) is considering going back to school full-time for his MBA. Should he take out a loan or use the money he's saved for a house?

- Brad (Denver, CO) asks, "Pay student loans or save money?"

- Denise (Gainseville, FL) is looking to potentially buy a home that has a utility tower on the property. Good idea or shockingly bad? 

 



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#8560: Cash out the IRA to pay off the mortgage?


Wed, Jan 04, 2017


Hour 2: Aired on Wednesday, January 4, 2017

- Gail (Reno, NV) asks what she should do with her current mortgage. 

- Joel (Miami, FL) is considering opening an additional Roth IRA. Should he? 

- Thomas (Raleigh-Durham, NC) wants to sell the car to pay the rent this month and wrap up Baby Step 1. Good idea?

- Dave talks about the envelope system and clip systems on sale at daveramsey.com. 

- Dave answers the Blinds.com question of the day. Amy says her college won't accept a debit card as a form of online payment. What should she do?

- Steve (Oxford, England) asks if he needs a credit card.

- Connie (Atlanta, GA) asks if they should cash out an IRA to pay their mortgage. 

- Kurt (Los Angeles) had the same question. Use an IRA to pay second mortgage?

- Paul (Milwaukee, WI) is thinking of taking out a HELOC (home equity line of credit). 



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#8559: Erica paid off $86K!


Wed, Jan 04, 2017


Hour 1: Aired on Wednesday, January 4, 2017

- Justina (Atlanta, GA) can't afford her car payment after losing her job. Should she just give it back to the dealer?

- Thomas (Corpus Christi, TX) wants to buy a house later in life but asks if he should take a payment plan to get his credit score up. 

- Rachel (Tampa, FL) received an inheritance from her grandfather. What should her next step be?

- Erica (Lexington, KY) does her debt-free scream from the lobby. She paid off $86,290 in 32 months. 

- Dave talks about the various ways to listen to or watch the show. 

- Dave answers a question from Twitter. Marcus asks, "What's the best way to fight a student loan mountain and get out of debt?"

- Nikki (Atlanta, GA) asks when to pay past-due bills. 



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#8548: The Dawn of Massive Debt


Fri, Dec 30, 2016


Hour 2: Aired on Thursday, December 29, 2016

- Katie (Lafayette, LA) is on the hunt for a job. How can she best search online?

- Dawn (Gilbert, AZ) wants to purchase a home, but her husband will be $450,000 in student loan debt after finishing dental school. 

- Sharon (Dayton, OH) is enabling her 28-year-old son. She feels guilty to keep going, but would feel guilty to stop. 

- Bill (Champaign, IL) is starting a motorcycle touring business. Should he get a new or used bike for this?

- Andrew and Debbie (Burlington, VT) do their debt-free scream from the lobby. They paid off $171,000 in 7.5 years.

- Larry (Boone, NC) is debt free. Now what?

- Lindsay (San Antonio, TX) needs a game plan. Her employer will pay off her husband's $134,000 in student loans in four years. 

- Tina (East Haven, CT) has $180,000 in student loans. Her husband is in the military, and she makes $24,000/year. Should they file for bankruptcy?

- Dave answers Sonya's question from Facebook. If you can opt out of Social Security for moral reasons, should you?

 



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#8542: Start a Drive-Thru Coffee Shop?


Tue, Dec 27, 2016


Hour 2: Aired on Tuesday, December 27, 2016

- Charity (Chattanooga, TN) is considering starting a drive-thru coffee shop business. Is this a good idea?

- Keld (Norwich, CT) is unsure about leaving his estranged children in his will. He’s considering giving to charity instead.

- Brandon (Bellingham, WA) is facing two job opportunities. One is self-directed. One is network marketing. Which would Dave suggest?

- Virginia (Atlanta, GA) has a timeshare, and the company is offering to buy it back for $5,000.

- Reid and Cindy (Austin, TX) have a question from the lobby. They’re in their 60s and retired. Should they move an IRA slowly into a Roth to take advantage of low taxes?

- Lea (Detroit, MI) is completely broke and struggling. Her husband is having health problems. What can they do?

- Dave answers Vincent’s question from Twitter. What are Dave’s thoughts on index funds versus regular mutual funds?

- Matt (Calgary, Alberta) day-trades, but wonders if he should go back to work to pay off debt.



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#8541: $300,000 of Student Loans Bite the Dust


Tue, Dec 27, 2016


Hour 1: Aired on Tuesday, December 27, 2016

- Dave rants about people who have a victim mentality.

- Nicole (Chicago, IL) asks if they should consolidate credit cards.

- Casey (Birmingham, AL) is putting money aside to buy a house and will have $35,000 next year. Is that enough?

- Dave answers Nate’s question from Twitter. What does Dave think about buying foreclosures?

- Charles and Myrissa (Springfield, IL) give their debt-free scream from the lobby. They paid off $300,000 in combined student loans.

- Robert (San Antonio, TX) has an overdrawn bank account. If he fixes it, how will that affect his credit?

- Luke (Minneapolis, MN) is considering paying off the house now, but all he’d have left is $20,000 and retirement.

- Lloyd (South Bend, IN) asks about prepaid funeral expenses.



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#8543: Pay Down the House or Invest?


Tue, Dec 27, 2016


Hour 3: Aired on Tuesday, December 27, 2016

- Angel (San Antonio, TX) is recently married and has two kids. Should they take his mother’s offer to move in and buy her house?

- Dave answers Nicholas’ question from Twitter. Where can he get a detailed report of his debts?

- Dave answers Preston’s question from Twitter. Should he get life insurance through work?

- Dave answers the Blinds.com question of the day. Dave asks if there’s ever a time when you’ll graduate from the cash-only system and use a credit card on a limited basis.

- Derek (Billings, MT) received an inheritance. What does he do with it?

- Aaron (Fargo, ND) has credit cards in collections.

- Matt (Nashville, TN) is trying to figure out how to find a career he can get fired up about.

- Carey (Tulsa, OK) can’t seem to get traction.

- Dave shares the Scripture and quote of the day.

- Joel and Lindsey (Seattle, WA) ask how to grow a small business without growing it too fast.

- Jim (Spokane, WA) is torn between paying down the house and adding to the retirement fund.



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#8452: Chris and the Slow Rolling Snowball


Mon, Nov 14, 2016


Hour 3: Aired on Monday, November 14, 2016

- Dave talks about the return of The Dave Ramsey Show to SiriusXM. 

- Diane (Reading, PA) is considering using investments to pay off debt. Is this a good idea?

- Chris (Baton Rouge, LA) is discouraged that debt isn't going away quick enough. 

- Terry (Kansas City, MO) is getting ever closer to retirement. Should he use 401(k) money to pay off the house? 

- David (Chicago, IL) is having trouble budgeting for bills. 

- Dave answers Shaun's question from Facebook. Is there any benefit to term life with living benefits versus straight term life insurance? 

- Scott and Charlena (Winston-Salem, NC) give their debt-free scream. They paid off $140,000 in 30 months. 

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Chris asks if he should borrow on a 401(k) to pay off his credit cards? The math seems to work.

- Dave talks about the $10 Sale at DaveRamsey.com.  

- Jessica (San Angelo, TX) asks how to budget when she has a regular income, but her husband is self-employed. 

 

 



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#8451: Jimmy and Candace paid off $162K!


Mon, Nov 14, 2016


Hour 2: Aired on Monday, November 14, 2016

- Rob (Philadelphia, PA) asks how to attack a student loan. 

- Rebecca (Reading, PA) is upside down on a car. Should she keep it and pay it off? 

- Jimmy and Candace (Oklahoma City) give their debt-free scream from the lobby. They paid off $162,000 in 33 months. 

- Rachel Cruze joins Dave to take calls and to talk about how people who like to spend approach the holidays.

- Laura (Pittsburgh, PA) asks advice on what to do with her savings. 

- Roger (Los Angeles) is considering moving in with his parents. Is this a bad idea?



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#8450: Counting Dollars Before They Hatch


Mon, Nov 14, 2016


Hour 1: Aired on Monday, November 14, 2016

- Dave talks about the SiriusXM launch. 

- Rachel (Lynchburg, VA) is considering a student loan repayment plan.

- Karen (Bay City, MI) asks when she should pay off her business mortgage. 

- Braden (Saskatoon, Saskatchewan) wants to be a chicken farmer. Should he borrow money to get into the business? 

- Dave talks about the hard lessons he learned borrowing money for a business. 

- Jay (San Antonio, TX) wants to secure his retirement. 

- Kim (Yorktown, VA) has a rental home mortgage on a house they can't rent out and a family home mortgage. What should they do?

- Shawn and Rosa (Louisville, KY) give their debt-free scream.  They paid off $63,644 in 19 months. 



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#8407: Latoya Is Considering a Second Life Insurance Policy


Mon, Oct 24, 2016


Hour 3: Aired on Monday, October 24, 2016

- Caleb (Portland, OR) is needing help now that his wife is doing an unpaid internship and they're living on one income. 

- Dave answers Christina's question from Twitter. Where does saving for a wedding fit into the Baby Steps? 

- Latoya (Columbus, OH) wonders if she should get a second life insurance policy. 

- Rodney (Atlanta) asks if he should get rid of his car. 

- Ellie (Salt Lake City, UT) is 60. She wonders if she should sell her house or use some of her retirement money to pay it off.

- Dave answers the Blinds.com question of the day. In Jason's budget, where should alimony and child support be in order of priority? 

- Jeff and Rachel (Salt Lake City, UT) give their debt-free scream from the lobby after paying off $45,000 in 22 months. 

- Cam (Orlando) is considering starting a side business as a personal trainer, but it would require $1,000 in equipment. 

- Dave shares the Scripture and quote of the day. 

- Carrie (St. Louis, MO) is pregnant and paying off debt. Should they keep rolling their debt snowball? 

- Cassie (Pittsburgh, PA) asks how she and her husband can get on the same page about money.



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#8406: A Strong Financial Foundation for Teens by Design


Mon, Oct 24, 2016


Hour 2: Aired on Monday, October 24, 2016

- Dave talks about the Foundations in Personal Finance curriculum. 

- Dave is joined in studio by Larry Magnesen, Senior VP of Fifth Third Bank, to talk about the bank's sponsorship of Dave's curriculum. 

- Dave is joined by Jenna Burns, a teacher at Warren Central High School in Indianapolis, who teaches the Foundations curriculum. 

- Dave talks about the importance of teaching teenagers sound financial principles. 

- Kyle (Columbia, MO) needs advice on how to evaluate a business he wants to buy. 

- Richard (Little Rock, AR) has a collection of motorcycles. Should he sell them to pay his monthly expenses?

- Joni (Dover, DE) asks how to make sure the will is carried out once she's passed. 

- Dave talks about the 14-Day Money Finder on rachelcruze.com. 

- Dave talks about the new wallet found on rachelcruze.com. 



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#8405: Bonner's Russian Hackers and a Leaky Roof in Kalamazoo


Mon, Oct 24, 2016


Hour 1: Aired on Monday, October 24, 2016

- Jennifer (Baltimore, MD) has run into health problems and is waiting on disability. She cosigned on her mom's house. What can she do?

- David (New York, NY) asks if he should pay off his mortgage.

- Coby (Winston-Salem, NC) is starting to invest at 19. What should his strategy be?

- Michael (Chicago, IL) wants to know the difference between investing and gambling.

- David and Mary (New Jersey) give their debt-free scream. The paid off $135,339 in 32 months. 

- Dave answers a question from Facebook. Bonner asks if he should close his bank accounts over concerns of Russian hacking. 

- Michelle (Dallas) is on Baby Step 2, but she's worried about not putting money into retirement. 

- Lisa (Kalamazoo, MI) received a $3,800 check from her insurance company after a roof leak. She's in Baby Step 2. Should she use the money to repair the roof?



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#8404: I've Got $174,000 in Student Loan Debt. Where Do I Start?


Fri, Oct 21, 2016


Hour 3: Aired on Friday, October 21, 2016

- Kevin (Pittsburgh, PA) wants to know whether to pay off debt or buy a new house.

- Mike (Binghamton, NY) has a question for Dave about his pension.

- Mary on Facebook asks Dave if both her and her husband's name should be on the LLC for a rental property they want to buy.

- Darren (San Antonio, TX) wants to know if he should pay off a second mortgage or invest in a college fund.

- Nathan (Tampa, FL) asks Dave about state-specific wills.

- John and Sharon (Clarksville, TN) are in the lobby to give their debt-free scream after paying off $40,000 in 23 months. 

- Chuck (Albany, NY) wants to know if he should retire yet.

- Dave reads the Scripture and quote of the day.

- Dave answers the Blinds.com question of the day. Carlo asks if insurance and utilities are factored in when Dave says to pay no more than 25% of income on a house.

- Christina (Rockville, MD) has $174,000 in student loan debt. How does she begin attacking it? 



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#8403: I Hate My New Job. Should I Leave?


Fri, Oct 21, 2016


Hour 2: Aired on Friday, October 21, 2016

- Dave explains the basics of what Ramsey Solutions teaches.

- Dionne (Chicago, IL) wants to leave her new job but is worried about the repercussions.

- Matt (Meridian, ID) wants to know his options for paying medical bills.

- Jacob and Bridgett (Dallas, TX) want to know how to buy a business from their dad.

- Jacob and Jennifer (Dallas TX) are in the lobby to give their debt-free scream after paying off $93,000 in 22 months!

- Greg (Houston, TX) asks if he should use his son's 529 college savings fund to pay off personal debt. 

 



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#8402: Cindy Asks Dave What Type of Credit Card She Needs


Fri, Oct 21, 2016


Hour 1: Aired on Friday, October 21, 2016

- John (Los Angeles, CA) wants to know if it's legal to use one person's credit as collateral to start a corporation for someone else. 

- Dave answers a question from Twitter. Ryan asks what's the most debt anyone has ever paid off using Dave's plan. 

- Lisa (Birmingham, AL) says her father's estate is in debt and the executer is being uncooperative. 

- Manuel and Mandee (Los Angeles, CA) are debt-free after paying off $21,000 in 1 year!

- Kendra (Pennsylvania) is expecting a child and asks for advice on how to update her will after the baby is born.

- Dave talks about the principles behind why it's so important to have a will.

- Cindy (Portland, ME) wants to know what type of credit card she should get.

 



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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