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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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#8129: Cody Wants a Very Pricey Car


Fri, Apr 29, 2016


Hour 3: Aired on Friday, April 29, 2016

- Leena (Binghamton, NY) wonders if she and her husband should take a job transfer opportunity in North Carolina.

- Julie (Houston) is starting a business as a single mom.

- Michael and Paige (Charlotte, NC) are debt-free after paying off $32,600 in 13 months!

- Cody (Houston) wants to know how to work toward buying a $200,000 luxury car sometime in the future.

- Dave reads the Blinds.com question of the day from Robert, who asks if he should focus on saving his starter emergency fund or getting health insurance first.

- Dave welcomes guest Anthony ONeal to discuss teens and money.

- Dave reads the Scripture and quote of the day.

- Dave and Anthony talk about the Smart Conference in L.A.

- Amy (Tampa, FL) wants to know about teaching a teen to value a car.

- James on Instagram wonders if he should take a year off to work, travel, etc. before college.

- Grant on Instagram asks if it's more important to get a master's degree or start a career after getting your undergrad degree.



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#8128: Elf on the Shelf in the House!


Fri, Apr 29, 2016


Hour 2: Aired on Friday, April 29, 2016

- Dave welcomes guests Christa Pitts and Chanda Bell, the co-CEOs of Creatively Classic Activities and Books (Creators of the Elf on the Shelf).

- Dave promotes the upcoming Business Boutique events, where Christa and Chanda will speak.

- Marc and Aneta (New York) are excited to shout that they are debt-free after paying off $108,000 in 21 months!

- Dave promotes Rachel Cruze's new book, "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Cindy (Denver) asks how to advise her son's friends about retirement options after they enter the military.

- Mallory (Peoria, IL) wants to know how to handle the debt snowball after a job loss.

- Pat (Phoenix) has a question about using his 401(k) funds to pay for a house.

- Dave reads a Twitter question from someone who wants to know the difference between a partnership and a family business.



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#8127: Sell the House at a Loss?


Fri, Apr 29, 2016


Hour 1: Aired on Friday, April 29, 2016

- Katie (Tulsa, OK) wants to know if she should sell her home at a loss since it's not selling at the price she wants.

- Brian (Peoria, IL) wonders when to make a side business a full-time job.

- Dave talks about the Rachel Cruze YouTube channel giveaway.

- Tera (Chicago) tries to teach her 7-year-old stepson about money, but his mother is a bad influence on him.

- Andy (Raleigh, NC) asks if he should make bi-weekly interest payments on his student loan.

- Mike (Denver) has a question about paying an annual maintenance fee for portfolio management instead of front-loaded investments.

- Rachel (Colorado Springs, CO) wants to know if she should put her debt snowball on hold to go see her daughter in California before she is deployed.

- Justin (San Antonio, TX) asks if he should take out a student loan and wait for the Army to repay it.

- Dave rants about the current administration's regulations on financial advisors and managers.

- Dave promotes the great deal on the Graduate's Survival Guide at DaveRamsey.com.

- Mallory (Portland, OR) says her in-laws are opening an account for her child.

- Elsa (Mexico City, Mexico) asks if she should purchase a car.

- Dave reads a Twitter question about refinancing a car loan.

- Dave quickly recaps why we teach what we teach.



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#8126: Dan and Debbie Paid Off Big Debt!


Thu, Apr 28, 2016


Hour 3: Aired on Thursday, April 28, 2016

- Dave welcomes guest Chris Brown for the hour, and they talk about Chris's upcoming live event schedule.

- Irina (St. Louis, MO) asks how to talk to her parents about money.

- Melissa (Louisville, KY) wonders if she should take out a student loan.

- Juan (Norfolk, VA) wants to know if he should sell his rental property.

- Dave talks about the Graduate's Survival Guide.

- Dan and Debbie (San Diego) are debt-free after paying off $116,000 in 31 months.

- Dave and Chris discuss the dynamics behind "believing that you can do it."

- Dave reads the Scripture and quote of the day.

- Dave reads the Blinds.com question of the day from Melissa, who asks if she can skip retirement savings and go after Baby Step 6 if she can finish it in a year.

- Kimberly (Atlanta) wonders if she should refinance her 6.5% fixed-rate mortgage to 4.5% with $5,000 in closing costs.

- Bryan (Grand Junction, CO) has a question about doing a zero-based budget when he doesn't have a steady income.



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#8125: Bulls and Bills


Thu, Apr 28, 2016


Hour 2: Aired on Thursday, April 28, 2016

- Dave talks about the new debit card process for chip cards.

- Dave talks about our upcoming EntreLeadership event in Dallas from May 22–25.

- Dave welcomes guest Pat Lencioni to discuss Pat's new book, "The Ideal Team Player," and talk about the EntreLeadership Summit event.

- Chris and Sandy (Nashua, NH) are debt-free after paying off $205,300 in 21 months!

- Katie (Providence, RI) says her parents told her that she needs credit.

- Dave talks about EveryDollar.

- Connor (Kansas City, MO) lost his job this week and wants to know how to set his priorities.

- Dusty (Denver) has a teenage son who wants to be a bull rider, and his medical bills are eating into their debt payoff.



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#8124: Dave Rants About Middle Class "Shame"


Thu, Apr 28, 2016


Hour 1: Aired on Thursday, April 28, 2016

- Dave talks about a news article titled "The Secret Shame of Middle Class Americans."

- Meghan (Detroit) wants to restrict her husband's access to their money since he's a recovering addict.

- James (Oakland) asks how to build his credit for buying a house.

- Mike and Ashley (Asheville, NC) are debt-free after paying off $247,000 in two years and nine months!

- Gail (Baltimore) wonders how to get started on her debt payoff.

- Dave talks about "Foundations In Personal Finance" because teens are in the lobby today.

- Michael (Atlanta) wants to know how to budget for a newborn baby.

- James (Salt Lake City, UT) asks how to pay for a child's treatment program that will cost $120,000 over the next 18 months.

- Dave reads a Facebook question from Melissa, who wonders if it's true that looking at your credit score will cause it to go down.



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#8123: JJ and Jess Paid Off Huge Debt!


Wed, Apr 27, 2016


Hour 3: Aired on Wednesday, April 27, 2016

- Dave welcomes guest Christy Wright, and they talk about her upcoming Business Boutique event.

- Whitney (Atlanta) wants to start up a business, but she is worried about the cost of marketing.

- Bonnie (Colorado Springs, CO) has a question about investing money in a company that loans money to churches.

- Bill (Phoenix) was contacted by a debt consolidation company while settling his parents' estate.

- Jennifer (Charleston) has a question about paying off a student loan or taking an income-based repayment plan.

- JJ and Jess (Dallas) paid off an incredible $556,000 in 42 months and are debt-free!

- Rob (Bend, OR) wants to know how to sell a business.

- Jake (Atlanta) asks what he should do with his car.

- Dave reads the Scripture and quote of the day.

- Dave rants about how your opinion doesn't matter.

- Tyler (Des Moines, IA) wonders what to do with extra money in each budget category at the end of the month.



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#8122: Health Savings Accounts Explained


Wed, Apr 27, 2016


Hour 2: Aired on Wednesday, April 27, 2016

- Nathan (Dayton, OH) says his grandfather left money for him to consolidate debt.

- Dave has a follow-up rant about why debt consolidation doesn't work.

- Tyler (Lansing, MI) wants to know how to apply his overtime money to his budget.

- Krista (Philadelphia) wonders where to roll her money from a simple IRA.

- Trisha (Denver) asks if it's ever smart to halt Baby Step 2 to begin investing.

- Stephen and Wendi (Murfreesboro, TN) are debt-free after paying off $46,000 in 23 months!

- Brett (Birmingham, AL) wonders how long to keep a health savings account.

- Dave explains the health savings account.

- Shelley (Memphis, TN) says her husband's business is struggling and it is harming their relationship.

- Angie (Boise, ID) is about to have three kids in college.

- Dave reads a Twitter question from Christina, who wants to know the best way to manage taxes when working as a contractor.



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#8121: When He Won't Budge on Budgeting


Wed, Apr 27, 2016


Hour 1: Aired on Wednesday, April 27, 2016

- Zack (Johnson City, TN) has a question about voiding a lease.

- Glenn (Atlanta) wonders if he should stop paying his loans and go back to finish school.

- Tanya (Joliet, IL) says her boyfriend engages in real estate business practices that she doesn't agree with.

- Rose Ann (Augusta, GA) is debt-free after paying off $22,000 in 18 months!

- Natanya (Laconia, NH) says her husband likes to spend and refuses to budget.

- Cody (Oklahoma City, OK) wants to know if he should sell his house in Illinois.

- Dave reads the Blinds.com question of the day from Celia, whose son-in-law may have a gambling problem.

- Dave reads a Twitter question from Claudia, who wants to know the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy.



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#8120: Eric and Carolyn's $1.7 Million Scream!


Tue, Apr 26, 2016


Hour 3: Aired on Tuesday, April 26, 2016

- Dan (Fredericksburg, VA) wants to know the best way to sell a house to his daughter.

- Jason (Albuquerque, NM) wants to retire at 50.

- Ilya (Louisville, KY) is struggling to complete Baby Step 1.

- Leslie (Columbia, MD) asks if she should withdraw from her 401(k) to pay a second mortgage so her husband can get his security clearance back.

- Eric and Carolyn (St. Louis, MO) have paid off an incredible $1.7 million in two and a half years and are now debt-free!

- Bill (Champaign, IL) wonders when to report his income if he converts his hobby into a side business.

- Dave reads the Scripture and quote of the day.

- Dave reads the Blinds.com question of the day from someone who asks if they should sell a cabin to boost their retirement savings.

- Talon (Los Angeles) asks about putting house savings with an emergency fund.

- David (Tampa, FL) has a question about opening a 529 plan or doing prepaid college tuition for his sons.

- Dave reads a Twitter question from Steven, who wonders what college students can do to build credit besides getting a credit card.



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#8119: How Are Ambition and Discontentment Different?


Tue, Apr 26, 2016


Hour 2: Aired on Tuesday, April 26, 2016

- Dave reads a Twitter question from someone who wants to know the difference between ambition and discontentment.

- Bob (Charlotte, NC) was ripped off by his partner and asks if he should file bankruptcy or take out a line of credit.

- Dave reads a Twitter question from Becca, who wonders what she can do with an unfixable vehicle that she owes money on.

- Charles and Myrissa (Springfield, IL) want to know if they should enroll in a student loan forgiveness program that takes 10 years.

- Erin (Salt Lake City, UT) is married and living with parents to save money and pay debt, but it isn't working.

- Jay (Charleston, SC) is moving to Florida and asks what he should do with the money he's set aside for a down payment.



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#8118: Stop That Collector Now


Tue, Apr 26, 2016


Hour 1: Aired on Tuesday, April 26, 2016

- Jackie (Athens, AL) asks if an HSA is right for her.

- Chris (Indianapolis) wonders what to do with the large cash gift his parents gave to his children.

- Dave reads a Facebook question from Louis, who wants to know if he should get rid of a rental property that is earning more than its mortgage payment.

- Sunny (Los Angeles) asks how to get a collector to stop harassing her for a debt she doesn't think she owes.

- Flora (San Antonio, TX) says her husband is worried that his long-term care insurance rate will increase later if he drops it now.

- Dave explains why he doesn't recommend long-term care insurance for anyone under 60.

- Andrew and Debbie (Burlington, VT) are debt-free after paying off $171,000 in seven and a half years!

- Larry (Boone, NC) is debt-free and wonders what to do next.

- Dave reads a Facebook question from someone who asks if a timeshare passes to a mother's heirs.

- Penny has a 20-year term policy that ends in a year, and she wonders if she should convert it to a whole life policy.

- Joseph (Phoenix) asks how much extra he needs to put toward his 30-year mortgage to pay it off in 15 years or less.



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#8117: The Timeshare Question


Mon, Apr 25, 2016


Hour 3: Aired on Monday, April 25, 2016

- Mark (San Antonio, TX) wants to know if he should rent his home to help fund a rebuild at his other property.

- Bradley (Tulsa, OK) is debt-free after paying off $41,000 in 13 months, and a total of $86,000 in the past seven years!

- Dave talks about the upcoming events in Raleigh, NC, tomorrow and Wednesday.

- Dave welcomes guest Rachel Cruze to talk about her YouTube channel and a giveaway she is hosting on YouTube beginning today.

- Dave reads the Scripture and quote of the day.

- Giovanni (Orlando) asks if he should sell his timeshare.

- Jason (Phoenix) wonders what to do with the $201,000 in his wife's 401(k) now that she's a stay-at-home mom.



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#8116: A Teen's Baby Steps


Mon, Apr 25, 2016


Hour 2: Aired on Monday, April 25, 2016

- Omar (Dallas) asks how to pay off his $28,000 in student loan debt after college.

- Ernest (Milwaukee, WI) wants to know if he should pay debt or buy a duplex with his girlfriend.

- Dave says today, April 25, is the last day for the $55,000 Financial Literacy Challenge sponsored by Zander Insurance.

- Ryan (Lansing, MI) wonders how to save after college.

- Andrew (Los Angeles) asks how he can apply the Baby Steps to his life since he's only 17 years old.

- Darren and Sasha (Sacramento, CA) are debt-free after paying off $116,500 in 34 months!

- Scott (Houston) says his house has flooded two years in a row, and he has a question about moving forward.

- Cindy (San Antonio, TX) wonders how to put a deed to a commercial property into a LLC.



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#8115: Should Sherri Borrow to Pay Off Debt?


Mon, Apr 25, 2016


Hour 1: Aired on Monday, April 25, 2016

- Dave talks about his upcoming events in Raleigh, North Carolina.

- Beth (Orlando) asks if she should take her Volvo buyback offer in cash or trade up to a newer vehicle.

- Dave reads the Blinds.com question of the day from Sherri, who wonders if she should get a $48,000 private signature loan to consolidate her federal unsubsidized loans.

- John (Los Angeles) owes $230,000 in student loans and wants to know if he should pay them off in Baby Step 6.

- Sean (Tampa, FL) wonders how he can get a mortgage with little job history.

- Alex and Ayla (St. Louis, MO) are debt-free after paying off $71,000 in three years!

- Annette (Boise, ID) wonders if she should refinance her mortgage.

- Jim (Chicago) feels like he should slow down on his business, but it's emotionally hard to do.



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#8114: It's Almost a Student Loan Hour!


Fri, Apr 22, 2016


Hour 3: Aired on Friday, April 22, 2016

- Matt (New York) asks if he should pay off student loans or save money.

- Andy (Virginia Beach, VA) wonders if he should refinance his house.

- Dave reads the Blinds.com question of the day from Brian, who wants to know if he should cash in $19,000 in mutual funds to get his debt snowball rolling.

- Anthony (New York) is ready to move out of his parents' house since he has a full-time job.

- Lindsay (Wilmington, NC) wants to know how much to spend on a car.

- Dave reads a Facebook question from John, who asks if a person can move money from their IRA to their spouse's IRA.

- Dave reads a Twitter question from Danielle, who wonders if she should cash out her daughter's $50 savings bond and put it in an ESA or a 529 plan.

- Gayle (Phoenix) wants to know how to pay extra on student loans without the payment going toward interest.

- Ron (La Crosse, WI) asks about the best way to pay off a student loan.

- Zach (Peoria, IL) asks if he is building a house that's too big.

- Jordan (Denver) is relocating while in Baby Step 2 and has a question about buying a home.

- Dave reads the Scripture and quote of the day.

- Tony (Modesto, CA) wonders if he should rent out his home and live in his RV.

- Ashley (Silver Spring, MD) asks if her husband should go to graduate school and how they can make it work financially.



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#8113: Frank and Denise Paid Off 83K in a Year!


Fri, Apr 22, 2016


Hour 2: Aired on Friday, April 22, 2016

- Dave talks about the presale of Rachel Cruze's upcoming book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Tracy (Tallahassee, FL) wants to know if her daughter should get an exchange-traded fund.

- Steve (Phoenix) wonders if he should roll over his wife's 401(k) savings to an IRA as she changes jobs.

- Dr. Henry Cloud calls in to discuss the Smart Conference and his new book, "The Power of the Other."

- Frank and Denise (Austin, TX) are debt-free after paying off $83,000 in 12 months!

- Dave reads an email from a teacher about Lindell Loveless, who has donated "Foundations in Personal Finance" to eight high schools in his community.

- Juan (Baltimore, MD) asks how to invest the royalties of a children's book his 8-year-old daughter wrote.

- Dave talks about the upcoming EntreLeadership Summit in Dallas next month.



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#8112: Ross Wins After a Tragedy


Fri, Apr 22, 2016


Hour 1: Aired on Friday, April 22, 2016

- Dave welcomes Chris Brown to the show to recap the Washington, D.C. events.

- Steve (Raleigh, NC) wants to help his relative manage a $100,000 inheritance.

- Anna (Grand Rapids, MI) wonders if she should invest in her company's 401(k).

- Blake (Salt Lake City, UT) wants to fund Baby Step 3 with some extra money, but his wife wants to take a family vacation.

- William (Spartanburg, SC) asks what Dave thinks about usury being biblically prohibited.

- Ross (Modesto, CA) celebrates paying off $308,000 in 38 months and being debt-free.

- Dave talks about how to contact Chris Brown on his radio show.

- Dave talks about Business Boutique.

- Celestia (Tucson, AZ) wants to know how to earn money at home to supplement her progress on Baby Step 2.

- Pete (Springfield, MA) wonders the best way to buy land from a relative when he doesn't have the cash to do so.



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#8111: Church Members Paid Off Millions!


Thu, Apr 21, 2016


Hour 3: Aired on Thursday, April 21, 2016

- Stephanie (Houston) says her husband wants to buy a house closer to where he works, but she doesn't want to get a mortgage.

- Robin (Saskatchewan, Canada) is concerned about going into debt if her husband accepts an opportunity to buy the family farm.

- Tanya (Los Angeles) wonders which investment options she should take to maximize tax deductions.

- Gina (Philadelphia) doesn't understand budgeting and the envelope system. She also asks about cashing out a whole life insurance policy to get the debt snowball rolling.

- Sherwood Oaks Christian Church (Bloomington, IN) is a debt-free church whose members have paid off $4.3 million in 30 months!

- Dave reads the Scripture and quote of the day.

- Josh (Canada) says he is going to the mission field in Africa for two years and wonders what to do with the money he has saved.

- Spencer (West Palm Beach, FL) asks if he should incorporate his side business.

- Mary (Baton Rouge, LA) says her mortgage company applied extra payments incorrectly.



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#8110: Is Suing Someone Morally Wrong?


Thu, Apr 21, 2016


Hour 2: Aired on Thursday, April 21, 2016

- Kyle (Indianapolis) wonders if he should put the debt snowball on hold to go through a real estate certification course and start a business.

- Dave reads a Twitter question from Derek, who asks how often a person should ask for a raise.

- Pat (Sioux Falls, SD) is worried the stock market will go down.

- Jackie (Atlanta) asks if she should take a $45,000 lump sum pension from her old company.

- Caleb and Kristy (Austin, TX) are debt-free after paying off $140,000 in three years!

- Carli (Meridian, ID) wants to know how to talk to her 95-year-old grandmother about her will since they live 1,000 miles apart.

- Bryan (Washington, D.C.) wants to know if he should sell his house to pay off debt.

- Shane (Lubbock, TX) wonders if it's morally acceptable to sue a database contractor who misled Shane's church.

- Molly (Clarksville, TN) has a question about getting out of a car lease.



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#8109: 10 Years and Counting


Thu, Apr 21, 2016


Hour 1: Aired on Thursday, April 21, 2016

- Shelley (Dallas) asks about investing in a real estate investment trust.

- Ashley (Oklahoma City, OK) is putting so much into her 401(k) that her other savings plans are falling behind.

- Joseph (Atlanta) wonders if he should buy a home or keep renting.

- Ryan (Mansfield, OH) wants to know if he should keep money in a health savings account and pay medical bills elsewhere because of the tax advantage.

- Dave reads a Facebook question from Greg, who asks what taxes he will incur from selling an inherited property.

- Will and Megan (St. Louis, MO) are debt-free after paying off $58,000 in 24 months!

- Jackie (Bowling Green, KY) wonders if she should rearrange the Baby Steps to achieve her goals.

- Jimmy (Lexington, KY) asks if there is a statute of limitations on his 10-year-old medical debt that's in collections.

- Dave reads the Blinds.com question of the day from Lisa, who asks about an insurance settlement from when her son was attacked by a dog.

- Christine (Denver) wonders how much life insurance she needs as a single woman who hopes to get married and have kids.

- Scott (Evansville, IN) asks if he should roll his wife's old 401(k) to a traditional IRA or a Roth IRA.

- Dave reads a Facebook question from Nicole, who wants to know the best place to keep an emergency fund.



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#8108: Rebecca's Worried About Her Homeless Sister


Wed, Apr 20, 2016


Hour 3: Aired on Wednesday, April 20, 2016

- Tom (Champaign, IL) wonders if he should sell his van or save cash to afford another car.

- Patrick (San Francisco) asks about the next step to becoming financially independent.

- Rebecca (Tampa, FL) and her siblings are inheriting $100,000+ each, but she's worried about her homeless sister who makes bad money decisions.

- Dave reads a Twitter question from Josh, who asks what happens to the money in a 529 plan if you save more than your kid needs for college.

- Dave talks about the success of "Foundations in Personal Finance."

- Dave promotes our Teacher Appreciation Giveaway and $55,000 Financial Literacy Challenge.

- Dave reads the Scripture and quote of the day.

- Zee (Houston) wonders if he should sell his car to pay off his $5,000 medical bill.

- Barb (Saginaw, MI) asks if she should pay her daughter's student loans to relieve her of the stress while she's overcoming alcoholism.



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#8107: When Sons Are Scammed


Wed, Apr 20, 2016


Hour 2: Aired on Wednesday, April 20, 2016

- Stephanie (Annapolis, MD) wonders if a 529 plan is the best option for her kids' college savings.

- Hannah (Decatur, IL) asks about taking a student loan settlement.

- Justin (Oklahoma City, OK) owes $58,000 in debt and wants to know if he should sell his house to pay it off.

- Steve (Spokane, WA) has a 17-year-old son caught up in online affiliate marketing scams.

- Dave talks about our free stuff: iHeartRadio channel, the podcast, the video channel, and EveryDollar.

- Dave reads Twitter questions and comments.

- Jeremy and Victoria (Albuquerque, NM) are debt-free after paying off $165,000 in two years!

- Dave talks about the Smart Money Smart Kids class.

- Dave reads the Blinds.com question of the day from Sherry, who wonders if she should go to Jamaica for her grandmother's birthday while on Baby Step 2.

- Millie (Boise, ID) and her husband have grown apart financially, and she wants to get back in sync.



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#8106: Peter's in a Deep Hole


Wed, Apr 20, 2016


Hour 1: Aired on Wednesday, April 20, 2016

- Sara (Dallas) wants to know if she should cancel her life insurance because the premium is too expensive.

- Frank (Rochester, NY) wonders if he should help his adult children put money into a 529 for the grandkids.

- Amy (Columbia, SC) owes $19,000 to her parents and wants to speed up Baby Step 2.

- Valerie (New York) asks if she should transfer her nursing-home-bound parents' assets to her name to protect them.

- Andrew and Amanda (Tampa, FL) are debt-free after paying off $55,000 in 14 months!

- Peter (Los Angeles) has more than $600,000 in debt from bad real estate deals.

- Dave explains what a short sale is and how to avoid the pitfalls Peter encountered.



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#8105: How Should Mark Handle His Inheritance?


Tue, Apr 19, 2016


Hour 3: Aired on Tuesday, April 19, 2016

- Raymond (Decatur, IL) is 19 years old and wants to buy a house in a few years.

- Todd (Houston) says the international fund inside his 401(k) is not doing well, but the 401(k) manager thinks it is.

- Dave reads a Facebook question from Linda, who asks the best way to set up a budget when you're already behind on your bills.

- Linda (Knoxville, TN) is getting a $100,000 settlement and owes $120,000 on her home.

- Brian (Topeka, KS) paid off his debts, but it still shows up as a zero balance on his credit report.

- Mark (Orlando) wants to know what he should do with the inheritance he's receiving.

- Doug and Katy (Atlanta) are debt-free after paying off $63,000 in 12 months!

- Bob (Colorado Springs, CO) asks about borrowing to buy a resort property.

- Dave reads the Scripture and quote of the day.

- Jay (Mobile, AL) asks if he should sell a rental property that he owns.

- Nick (Detroit) wonders which debt he should pay off first.

- Philip (Bristol, TN) wants to know how to prepare for a marriage.



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#8104: Saving for a House


Tue, Apr 19, 2016


Hour 2: Aired on Tuesday, April 19, 2016

- Dave talks about ways to find us.

- Steve (Raleigh, NC) says his ex-wife and mother are enabling his daughter.

- Jeremy (Tulsa, OK) wants to know how to start a business that competes with his current employer.

- John (Knoxville, TN) is looking for the best solution to save up and buy a house.

- Dave reads a Facebook question from Patricia, who wonders if Dave would recommend purchasing penny stocks.

- Eric and Michelle (Fredericksburg, VA) are excited to scream that they've paid off $250,000 in 39 months and are debt-free!

- Emily (Knoxville, TN) asks if she and her husband can start saving for a house while they're $89,000 in debt.

- Erin (Las Cruces, NM) is newly married and wants to get on the same page about their finances.

- Hope (Atlanta) is 54 years old and worried about retirement.



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#8103: $95,000 Gone in 13 Months!


Tue, Apr 19, 2016


Hour 1: Aired on Tuesday, April 19, 2016

- Tracy (Boston) wants to know if she and her husband should help their young son buy an expensive item while it's on sale.

- Alex (Nashville) is upside down on his car and wonders how he can rid of it while keeping his finances in good shape.

- Liz (Houston) has bad memories of her current house but worries how selling it will affect her finances.

- Chris (Decatur, IL) says his wife doesn't understand the debt snowball or how to apply it.

- Angel (Portland, OR) wants to know how to balance saving for an emergency fund versus saving for her daughter's college.

- J.R. and Ann (Winston-Salem, NC) are debt-free after paying off $95,000 in 13 months!

- Lea (Virginia Beach, VA) asks about a 15-year adjustable-rate mortgage versus a 30-year fixed loan.

- Annette (Hamilton, OH) says her and her husband's life insurance options are limited because of his sleep apnea.

- Dave reads the Blinds.com question of the day from Beth, who wonders if she should use her own attorney or the one provided by her insurance company after a car accident.

- Herb (Indianapolis) is new to budgeting and has an unpredictable paycheck.

- Chris (Dallas) has a question about investigating tax return abuse involving his son.

- Dave reads a Twitter question from Jennifer, who asks if she should pay a nominal fee to have her mortgage company enroll her in a mortgage accelerator program.



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#8102: Dave's Take on Taxes


Mon, Apr 18, 2016


Hour 3: Aired on Monday, April 18, 2016

- Dave reads a Wall Street Journal blog that reports 57% of Americans say income taxes are too high.

- Dave rants about how 45% of people pay no income tax and everyone should have skin in the game.

- Kristen (Atlanta) wonders if she should buy a rental property and use that address to put her kids in better schools.

- Collette (Phoenix) wants to know if she should take a new job or stay at her current one.

- Brandon and Kenisha (Tupelo, MS) are debt-free after paying off $31,100 in 20 months!

- Dave talks about the presales of Rachel Cruze's new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Maria (Fort Worth, TX) says she and her husband disagree on budgeting $150 a month to give to elderly family members.

- Dave reads the Scripture and quote of the day.

- Josh (Edmonton, Alberta, Canada) wonders how he can supplement his ministry income.

- Kevin (Sacramento, CA) asks what his retirement approach should be since he has rental properties but no liquid retirement savings.

- Dave reads a Twitter question from Stephen, who wants to know Dave's opinion on modular or prefabricated homes.



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#8101: Learn About Rachel Cruze's New Book!


Mon, Apr 18, 2016


Hour 2: Aired on Monday, April 18, 2016

- Dave welcomes Rachel Cruze to the show to talk about the launch of her new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Adam (Stillwater, OK) asks if he should pause his debt snowball since he's coming out of a divorce.

- Clay (Laurel, MS) is mentoring his 16-year-old son on budgeting.

- Dave and Rachel go over some of the seven money habits.

- Amy (Dayton, OH) screams that she's debt-free after paying off $98,000 in 38 months!

- Dave talks about the $55,000 Financial Literacy Challenge for high school students and the Teacher Appreciation Giveaway, both sponsored by Zander Insurance. You can take the Challenge or enter the Giveaway at daveramsey.com.

- Zack (Seattle) has become a landlord by default and asks if he should keep or sell the property.

- Tobin (Tri-Cities, WA) says his wife doesn't want to cut the credit cards up.



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#8100: The Fiancé in Financial Free Fall


Mon, Apr 18, 2016


Hour 1: Aired on Monday, April 18, 2016

- Dave recaps the Smart Conference in Orlando and talks about other upcoming live events.

- Mary (Washington, D.C.) says her fiancé has a lot of debt and bad spending habits.

- Dave launches presales of Rachel Cruze's new book "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want."

- Tyler (Lexington, KY) wants to know if he should convert a sole proprietorship to an LLC.

- Shon (Chicago) wonders if she should buy or rent.

- J.V. and Ashley (Fresno, CA) are excited to shout that they are debt-free after paying off $106,500 in five and a half months!

- Dave comments on J.V. and Ashley's story and how their good choices can motivate others.

- Dave reads the Blinds.com question of the day from Amie, who asks about continuing to auto-fund a Roth IRA after moving to a different state.

- Eric (Peoria, IL) wants to know what he should do with his $120,000 in deferred compensation.

- Scott (Bend, OR) wonders if he and his wife should sell their house.



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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