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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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#8492: Kimberly and Reginald Paid Off $135K in 14 Months!


Fri, Dec 02, 2016


Hour 3: Aired on Friday, December 2, 2016

- Kevin (Springfield, MO) asks if he needs a car repair fund.

- John (Midland-Odessa, TX) has $12,000 in cash. Should he put it toward the house? 

- Dave talks about the show's return to SiriusXM.

- Nick (Boise, ID) asks how to get started. 

- Jennifer (Tulsa, OK) is considering buying a small business. 

- Kimberly and Reginald (Tuskegee, AL) give their debt-free scream. They paid off $135,000 in just 14 months! 

- Dave shares the Scripture and quote of the day.

- Dave answers Kelsey's Twitter question. Is buying a tiny house as bad as buying an RV? 

- Julie (Grand Rapids, MI) asks what the difference is between a living trust and a regular trust that becomes active upon death.  



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#8491: Should Flavio Pay Off the House or Make Repairs?


Fri, Dec 02, 2016


Hour 2: Aired on Friday, December 2, 2016

- Flavio (Manchester, NH) is caught between paying off the house or making repairs.

- Jim (Louisville, KY) is considering a new mortgage. 

- Dave talks about the Making Futures Bright $100,000 Giveaway and how Financial Peace University makes a great Christmas gift. 

- Dave answers the Blinds.com question of the day. Candace is behind on her house, cars, and credit cards. How can she catch up on the payments?

- Jesse (San Antonio, TX) is a new listener. How can he get started on Dave's plan?

- Will and Bethany (Lexington, KY) give their debt-free scream. They paid off $28,000 in 23 months. 

- Dave rants about how important it is to get your money in order. 

- Dave talks about the 12 Deals of Christmas at daveramsey.com. 

- Natalie (New York) asks which job she could take. 

 



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#8490: Ted Talks Business Sale Proceeds


Fri, Dec 02, 2016


Hour 1: Aired on Friday, December 2, 2016

- Chris Brown joins Dave in the studio. 

- Kate (Detroit, MI) asks if she and her husband should use cash from the sale of their home to update the new house. 

- Pat (New York) doesn't want to use a 529 in case his child doesn't want to go to college. Is a Roth IRA okay to save for school?

- Dave talks about the Chris Brown's True Stewardship show and podcast.

- Jenny (Greensboro, NC) wonders if they're paying off their debt fast enough. 

- Ted (San Antonio, TX) asks what to do with proceeds from the sale of his business. 

- Travis and Theresa (Tulsa, OK) give their debt-free scream. They paid off $69,000 in 18 months. 

- Michael (Raleigh-Durham, NC) asks how his Roth account is negative. 

- Stephanie (Albany, NY) is getting money back from a refinance. 

 

 



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#8489: A Ray of Hope in Pittsburgh


Thu, Dec 01, 2016


Hour 3: Aired on Thursday, December 1, 2016

- Ray (Pittsburgh, PA) is still in debt. Should he buy his in-law's house?

- Dave answers Matt's question from Twitter. Did Dave ever use his emergency fund when he was on Baby Step 1?

- Dave talks about EveryDollar and how important a monthly budget is.

- Joey (Joplin, MO) is planning to foster-adopt several children over the next few years. How can they save for their educations?

- Lorran (Bakersfield, CA) just paid off the house and rental house this morning. What does he do when he's done with the Baby Steps?

- Cody and Leslie (Bloomington, IN) do their debt-free scream. They paid off $32,000 in 20 months.

- Stephanie (Billings, MT) asks if they should modify the Baby Steps to pay off debt and save for retirement at the same time.  

- Dave shares the Scripture and quote of the day. 

- Jordan (Kingsport, TN) asks how to get his wife on board with the plan. 

- Dave answers Sandy's question from Facebook. Is it wise to convert an IRA to an investment in gold?



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#8488: Scott and Katelyn Paid Off $85K in 2 Years!


Thu, Dec 01, 2016


Hour 2: Aired on Thursday, December 1, 2016

- Denise (Fort Worth, TX) is having trouble budgeting on an irregular income. 

- Matthew (Boston, MA) asks if he should group student loans together. 

- Dave talks about Christy Wright's upcoming Business Boutique 1-Day events in 2017. 

- Mike (Salt Lake City, UT) is self-employed and researching retirement options. 

- Daphne (Atlanta) asks what to do with a 401(k) from an old job and if there's a fee to convert it to a Roth IRA.

- Scott and Katelyn (Tyler, TX) do their debt-free scream from the lobby. They paid off $85,000 in just two years. 

- Dave talks about the various ways listeners can find the show. 

- Dave answers Alyssa's question from Twitter. Does Dave have a homeschool program?

- Sarah (Seattle, WA) is worried about the security of using only debit cards. 

- Evan (Louisville, KY) is worried about the cost of life insurance while working overseas.

- Sara (Duluth, MN) asks if they should refinance to a 15-year mortgage. 



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#8487: Atlanta Lanny and the Retirement Dilemma


Thu, Dec 01, 2016


Hour 1: Aired on Thursday, December 1, 2016

- Dave talks about his trip to New York.

- Lanny (Atlanta) asks how much is needed to retire. At what age can someone retire comfortably?

- Diana (Philadelphia) is considering converting her traditional IRA to a Roth. 

- Dave invites listeners to share their giving stories on the Giving Show coming up December 22. 

- Quinton (Chicago) is trying to pay off his student loan. 

- Clinton (Elkhart, IN) wants to make the most of his investments. 

- Roger (Little Rock, AR) needs advice on handling family pressure. 

- Peaches and Kent (Jackson, TN) do their debt-free scream. They paid off $69,304 in three years. 

- Charles (Phoenix) and his wife have a problem. She cosigned on her sister's student loan. 

- Regina (Las Vegas) is debt-free and on Baby Step 4. Should she buy the home she's renting?

- Dave talks about the 12 Deals of Christmas at daveramsey.com. 

- Dave answers the Blinds.com question of the day. Tonya bought a house in 2010 and is paying extra on her mortgage. She has a 4.5% rate. When should she refinance?



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#8486: Best Short-Term and Long-Term Investments


Wed, Nov 30, 2016


Hour 3: Aired on Wednesday, November 30, 2016

- Dave reads an article on a man who paid off his mortgage but received backlash.

- Paul (Austin, TX) and his church are in a dispute with a contractor. Should they try to settle or sue?

- Leslie (Houston, TX) asks where to invest money both short-term and long-term. 

- Kevin (Los Angeles) gives his debt-free scream. He paid off $35,000 in two years. 

- Melissa (Kansas City, MO) is calling for her husband. He wants to quit his job without another one lined up due to a toxic work environment.

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Tina asks if it's too early to ask for a raise at the dream job she just got. 

- Dave (Midland, TX) is 65 and has $2.3 million saved for retirement. Does he still need long-term care insurance? 



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#8485: Mitch Ditched $105K in Debt in 4 Years!


Wed, Nov 30, 2016


Hour 2: Aired on Wednesday, November 30, 2016

- Bob (Kansas City, MO) asks if he should use his 403(b) to pay off his house. 

- Kristy (Minneapolis-St.Paul, MN) has tenants who want their security deposit back after they refused it, but didn't put it in writing. 

- Geraldine (Phoenix, AZ) asks if her husband should enroll in a federal employee student loan repayment program. 

- Jake (Phoenix, AZ) is considering inviting his mom to move in. 

- Mitch (Chicago, IL) gives his debt-free scream. He paid off $105,000 in four years. 

- Taylor (Yakima, WA) needs help listing his priorities. 

- Dave answers Dorian's question from Twitter, who was refuting Dave's advice from the previous caller. 

- Mike (Los Angeles) owes more on his house than it's worth. 

- Dave answers Paige's question from Twitter. Can her ESA (Education Savings Account) be used for private high school tuition? 



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#8484: In-Studio Guest Max Lucado


Wed, Nov 30, 2016


Hour 1: Aired on Wednesday, November 30, 2016

- Ken Coleman and Chris Hogan take calls. 

- Josh (Fort Wayne, IN) asks what type of investment he should look into. 

- Craig (Kansas City, KS) is underinsured and looking into term life insurance. What should his plan be?

- Ken and Chris answer Jason's question from Twitter. He's self-employed and not sure how much to set aside for taxes.

- Ken and Chris welcome special guest Max Lucado. Max shares about his new book, "Because of Bethlehem."

- Ken and Chris talk about the 12 Deals of Christmas sale at daveramsey.com. 

- April (Columbus, OH) asks how to accomplish their dream. 

- Matt (Denver, CO) is currently renting but his lease expires soon. Should he buy a house now and pay PMI (Private Mortgage Insurance)?



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#8483: Ryan and Molly Paid Off $336K!


Tue, Nov 29, 2016


Hour 3: Aired on Tuesday, November 29, 2016

- Laura (Baltimore, MD) is $300,000 in debt, some outside of bankruptcy. How can she pay it off?

- Dave answers the Blinds.com question of the day. Jim asks how to discuss the need for long-term care insurance with his parents. 

- Sean (Columbus, OH) isn't happy with his living situation. Should they break the lease?

- Ryan and Molly (Nashville, TN) give their debt-free scream from the lobby. They paid off $336,000 in less than 10 years. 

- Dave shares the Scripture and quote of the day. 

- Linda (Colorado Springs, CO) asks if they should sell their house or rent it out.

- Kyle (St. Louis, MO) wants to renovate his house, but isn't sure what permits he needs. 

- Dave answers Patrick's question from Twitter. What financial goal should he tackle first?



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#8482: Lydia's Husband Wants a High Credit Score


Tue, Nov 29, 2016


Hour 2: Aired on Tuesday, November 29, 2016

- Ken Coleman and Chris Hogan talk about goal-setting. 

- Katie (Atlanta, GA) has $130,000 in student loan debt. Should they have a baby or wait?

- Ken and Chris talk about the $100,000 Making Futures Bright Giveaway and the $10 Sale at daveramsey.com. 

- Lydia (Kansas City, MO) is having issues with her husband who wants a high credit score. 

- Ken and Chris talk about the credit score myth.

- Ken and Chris answer Austin's question from Twitter. Should he start a sinking fund for a replacement car while they're in debt and working Baby Step 2?

- John (Indianapolis) asks if investment options within HSAs are a good idea. 

- Chanel (Phoenix) asks what to do with a 401(k). 

- George (Lexington, KY) needs helping starting the Baby Steps. 

- Max (Dallas) is trying to decide between life insurance versus long-term care insurance. 

- Ken and Chris answer Ramona's question from Facebook. How should she save the $1,000 for Baby Step 1? Put it in a savings account?

 



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#8481: Ken Coleman, Chris Hogan, and Chris Brown Run the Show


Tue, Nov 29, 2016


Hour 1: Aired on Tuesday, November 29, 2016

- Ken Coleman, Chris Hogan and Chris Brown take calls for the hour. 

- Ken, Chris and Chris talk about the Smart Money events in the spring of 2017. 

- Nathan (New Orleans, LA) asks if he should buy or rent. 

- Charles (South Bend, IN) asks if real estate debt is bad. 

- Dana (Brainerd, MN) needs help handling a large settlement. Should she use it to pay off debt? Where should she invest?

- Jeff (Kansas City, MO) is considering pulling money out of his Roth IRA to buy land. 

- José (Phoenix) wants to get rid of a timeshare. His wife doesn't. Is there ever a good reason to keep a timeshare?

- Bo (Boise, ID) has a friend who is an insurance agent. Should he trust him to set up his retirement accounts as well?

- Steve (Lansing, MI) asks how to allocate funds in a Thrift Savings Plan (TSP).

- Cory (Ames, IA) asks if she should sell her house. 

- Mary (Indianapolis) is starting to pay off her debts, and they know there are old debts out there. How do they find them? 

- Shanna (Oklahoma City) is considering using an old IRA to pay off student loans. Is that a good idea?

- Chris (Las Vegas) has been doing private equity lending. Is that advisable? 



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#8480: Should Brian Invest While Paying Off Debt?


Mon, Nov 28, 2016


Hour 3: Aired on Monday, November 28, 2016

- Casey (Spokane, WA) asks if he should take his disability in a lump sum or in payments. 

- Shannon (Baton Rouge, LA) is doing the Total Money Makeover, but they've had flood damage and medical issues. 

- Dave talks about the upcoming Smart Conference in the spring of 2017.

- Brian (Austin, TX) says a financial planner is advising them to invest while they're paying off debt. What should they do?

- Todd (Orlando, FL) asks if he should pay off his mortgage or invest.

- Joe and Nicole (Sacramento, CA) give their debt-free scream. They paid off $78,000 in 22 months! 

- Dave shares the Scripture and quote of the day. 

- Robert (Atlanta, GA) has extra money and he doesn't know what to do with it.

- Rachel (Houston, TX) is paying off her student loans. Which one should she pay off first?



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#8479: Larry in Milwaukee Wins $10,000!


Mon, Nov 28, 2016


Hour 2: Aired on Monday, November 28, 2016

- Dave talks about the Spring 2017 schedule of EntreLeadership 1-Day events. 

- Chris (Raleigh-Durham, NC) is out of debt and facing deployment before getting married.

- Daryl and Kristin (Reading, PA) give their debt-free scream from the lobby. They paid off $69,000 in 17 months. 

- Lorie (Boise, ID) is considering selling her rental property while values are high. 

- Dave talks about the $100,000 Making Futures Bright Giveaway. 

- Dave gives away $10,000 to Larry in Milwaukee. 

- Dave talks about the Cyber Monday Sale at daveramsey.com. 

- Daniel (Aviono, Italy) is in the military. He asks when he should open a mutual fund if he should utilize a Thrift Savings Plan. 

- Emily (Dallas, TX) gives her debt-free scream from the lobby. She paid off $21,000 in 18 months. 

- Rachel (Atlanta, GA) just received a $6,000/year raise. How should she handle the extra income?



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#8478: Difference Between Wants and Needs


Mon, Nov 28, 2016


Hour 1: Aired on Monday, November 28, 2016

- Dave talks about Thanksgiving and how one day won't make you fat, just like one day won't make you rich. It's excellence in the everyday. 

- Dylan (Tucson, AZ) has a complicated housing situation, but partially owns the house. Should he sell it?

- Dave talks about the Cyber Monday Sale at daveramsey.com. 

- Brock (Toronto, Ontario) asks the difference between EntreLeadership Summit and EntreLeadership Master Series. 

- Jeremy (Sault Ste. Marie, MI) asks how to budget on an irregular income. 

- Dave answers Chuck's question from Facebook. How do you decide the difference between a want and a need when you're shopping? 

- Brian and Morgan (Indianapolis, IN) give their debt-free scream. They paid off $42,000 in 20 months. 

- Dave answers the Blinds.com question of the day. Tracy cosigned on a car for a family member and it was repossessed and later paid off. Should it still be on her credit?

- Candace (Indianapolis, IN) asks which job offer her husband should take. 

- Tyler (Oklahoma, OK) needs Dave's opinion on prepaid legal services for people with concealed carry permits. 



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#8479: Michael and Amber Paid Off $104K in 4 Years!


Fri, Nov 25, 2016


Hour 3: Aired on Friday, November 25, 2016

- Cassie (Auburn, AL) is living apart from her husband due to a job situation. How can they fix that?

- Steve (Phoenix, AZ) wants to teach his kids about money. 

- Harry (Dayton, OH) asks if he should use a TSP (Thrift Savings Plan) or invest in other ways. 

- Lance (Baton Rouge, LA) has eight months to pay off his current business loan and is thinking of opening a second location.

- Michael and Amber (Kalamazoo, MI) give their debt-free scream from the lobby. They paid off $104,000 in four years. 

- Dave shares the Scripture and quote of the day. 

- Nick (College Station, TX) asks if he should transition to another job. 

- Peter (Las Vegas, NV) asks if he should sell his house to pay off debt. 



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#8477: How to Pay Off Student Loan Debt


Fri, Nov 25, 2016


Hour 1: Aired on Friday, November 25, 2016

- Austin (Idaho Falls, ID) is in college and looking ahead to next summer. Should he take a pest control sales job in Virginia? 

- Allison (Houston, TX) asks how to pay for school without going further into debt. 

- Bridget (New York, NY) is considering selling the stock her husband gets as a company bonus. 

- Karen (Davenport, IA) asks how to make an offer on a house. 

- Joe and Mandie (Anchorage, AK) give their debt-free scream. They paid off $42,458 in three years. 

- Sarah (Phoenix, AZ) needs direction on her goals. They can't own property in the city where they live. 

- Dave answers the Blinds.com question of the day. Emily has $80,000 in student loan debt. Should they apply for consolidation? What's the best way to get rid of it?

- Sarah (Phoenix, AZ) asks if she should keep her car. 

- Dave answers Kyle's question from Twitter. What does Dave think about term life insurance with "living benefits coverage?" 



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#8478: The Best Place to Retire


Fri, Nov 25, 2016


Hour 2: Aired on Friday, November 25, 2016

- Lisa (New York, NY) is thinking of abandoning her house-savings goal to save for retirement. 

- Adam (Minneapolis, MN) is newly married. How much should they live on and how much should they put toward debt?

- Dave talks about the importance of Financial Peace University and what a great Christmas gift it makes. 

- Amy (Dallas, TX) is worried extended family will try to stake claim to her father's assets. He doesn't have a will. 

- Rebecca (Indianapolis, IN) asks Dave to explain reverse mortgages.

- Jessica (Tucson, AZ) has a husband who's a big impulse spender.

- Dave answers Laverne's question from Twitter. Where is the best and cheapest place to retire? 

- Drew (Baltimore, MD) is considering using 401(k) money to pay the house off. 



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#8475: Shawn's Mom and the Iraqi Diner


Thu, Nov 24, 2016


Hour 2: Aired on Thursday, November 24, 2016

- Shawn (Phoenix, AZ) is worried his mom is going to lose everything. She's invested $8,000-10,000 in an Iraqi diner. 

- Marleen (Cincinnati, OH) wonders if they should get a cash-back credit card or an airlines credit card. 

- Dave answers Melissa's question from Facebook. How does Dave feel about healthcare cost-sharing plans as opposed to insurance?

- Jason (Washington, D.C.) asks how to reach retirement savings goals in Baby Step 4. 

- Lisa (Atlanta, GA) is considering using their 401(k) money to pay their $140,000 in debt. 

- Jason and Sharon (Los Angeles) give their debt-free scream. They paid off $81,887 in two years and five months. 

- Sandy (St. Louis, MO) asks how to fit in vitro fertilization into the Baby Steps. 

- Mary (St, Louis, MO) asks if annuities are a good idea. 

- Dave explains annuities, the different types of mutual funds, and what he recommends. 



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#8474: Should Adam Gobble Up a Competitor?


Thu, Nov 24, 2016


Hour 1: Aired on Thursday, November 24, 2016

- Jen (Bend, OR) and her husband took FPU, but they still aren't on the same page. How can she get him motivated?

- Claudia (Little Rock, AR) and her husband have adopted children and are now expecting one. They need a bigger car.

- Adam (Fort Wayne, IN) asks if he should buy a competing business or grow his own naturally and pay off debts. 

- Kyle and Jamie (Washington, D.C.) give their debt-free scream from the lobby. They paid off $85,000 in 28 months. 

- Dave talks about the importance of Financial Peace University and how it makes a great Christmas gift. 

- Dave answers the Blinds.com question of the day. Susan's husband wants to invest in silver and she asks how she can explain it's a bad idea.

- Carl (Birmingham, AL) asks if he should pay off his mortgage now. 

- Jessica (New York, NY) has $15,000 in the bank and $16,000 in consumer debt. Her house is in foreclosure. What should she do?



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#8476: Mike and Olena Paid Off $40K!


Thu, Nov 24, 2016


Hour 3: Aired on Thursday, November 24, 2016

- Cindy (Chicago) and her husband need advice on his parents, who are in financial trouble.

- Jason (Champaign, IL) wants to sell his interest in a contract for deed. 

- Steve (Detroit) asks if he should drop his TSP investing to a minimum while paying off debt. 

- Mike and Olena (Columbus, OH) give their debt-free scream. They paid off $40,000 in 38 months. 

- Linda (Cincinnati, OH) was hit by a car a year ago. What can she expect in the way of a settlement?

- Dave shares the Scripture and the quote of the day. 

- Jesse (Wichita, KS) is expecting a baby. Will they have enough money? 

- Brandon (Houston, TX) is pursuing a side gig, and considering quitting his full-time job. Should he?



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#8473: Lindsay Paid Off $77K in 34 Months!


Wed, Nov 23, 2016


Hour 3: Aired on Wednesday, November 23, 2016

- Dave encourages callers to share something they're thankful for before getting to the topic of their call.

- Chris Hogan joins Dave in the studio to talk retirement. 

- Dave talks about the upcoming EntreLeadership Summit event. 

- Tim (Lexington, KY) asks how to supplement retirement. A failed business deal took out a lot of what he'd saved. 

- Lindsay (Fort Wayne, IN) gives her debt-free scream from the lobby. She paid off $77,120 in 34 months!

- Dave (St. Louis, MO) wants a winter home in Florida. The tax man says to take a mortgage and withdraw from his 401(k) to make the payments. 

- Dave shares the Scripture and quote of the day.

- Nick (Colorado Springs, CO) works on commission. How can he manage percentage-based budgeting when his income varies?

- Philip on Twitter wonders how can he be gazelle intense without making money an idol in his life. 



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#8472: Should Amber Wave Goodbye to Her Dream Home?


Wed, Nov 23, 2016


Hour 2: Aired on Wednesday, November 23, 2016

- Dave reminds callers to share what they're thankful for before getting to the topic of their call.

- Amber (Phoenix, AZ) asks if she should sell her dream home. 

- Jen (Seattle) says her husband has been offered a partnership, and they need Dave's advice. 

- Dave answers the Blinds.com question of the day. Amy leased a car and rolled negative equity in to it. She can't get out of the lease. What can she do?

- Glenn (Raleigh-Durham, NC) asks what he should do with his 401(k).

- Kim (Roanoke, VA) asks what to do with old debt. 

- Tom (San Antonio, TX) wonders about silver and gold as investments.

- Abigail (Cleveland, OH) needs advice on real estate as an investment. 



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#8471: How Thanksgiving Became Thanksgiving


Wed, Nov 23, 2016


Hour 1: Aired on Wednesday, November 23, 2016

- Dave reads the original Thanksgiving proclamation by President Abraham Lincoln. 

- Dave comments on what Thanksgiving really means‚ÄĒgiving thanks to God.¬†

- Dave asks callers to be prepared with what they're thankful for before getting to the topic of their call. 

- Mark (Orlando, FL) asks how to negotiate when buying a used car from a dealer. 

- Glenn and Tonya (Erie, PA) give their debt-free scream. They paid off $47,682 in just 25 months. 

- Michael (Detroit) is trying to attack $61,000 in debt (credit cards, student loans, and a car payment) while raising five kids. 

- Dave talks about the Black Friday sales coming up at daveramsey.com. 

- Alexandrea (Huntsville, AL) asks if she should cancel her whole life insurance. 

- Billy (Springfield, MO) asks if he should get a full-time job.

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



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#8470: Christy Wins $8K in the Making Futures Bright $100K Giveaway!


Tue, Nov 22, 2016


Hour 3: Aired on Tuesday, November 22, 2016

- Lyla (Little Rock, AR) is retired and living on a fixed income. What's the best way for her to pay the house off?

- Dave answers Carrie's question from Twitter. What are some nonfiction books Dave recommends?

- Dave answers another question from Twitter. Aaron asks if he should carry more than liability insurance on a 1998 truck and a 2001 minivan. 

- Valerie (Dallas, TX) is new to the show and has heard Dave talk about settling old debts. How does she do that?

- Christy (San Bernardino, CA) is the $8,000 winner in the Making Futures Bright $100,000 Giveaway! 

- Angela (Washington, D.C.) has lots of old loans in collections.

- Trent and Monica (Bakersfield, CA) give their debt-free scream. They paid off $88,279 in just 31 months. 

- Dave rants about the Dow futures on election night and how it closed at a record high today.

- Dave shares the Scripture and quote of the day. 

- Dave talks about tomorrow's show and the opportunities callers will have to share what they're thankful for. 

- Dave talks about the upcoming Business Boutique 1-Day events in 2017. 

- Suzanne (Texarkana, TX) asks how to handle buying life insurance in a blended family. 

- Dave rants in response to a tweet.



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#8469: Emily Paid Off $36K in 30 Months!


Tue, Nov 22, 2016


Hour 2: Aired on Tuesday, November 22, 2016

- Dave rants about credit cards even if you pay them off every month.

- Dave talks about Apple Pay on vending machines and how it has greatly increased mobile transactions. 

- Thomas (Jonesboro, AR) is going out of the country. Is there a way to get around foreign exchange fees?

- Shannon (Cedar Rapids, IA) just completed FPU. She's fired up about it but her husband isn't.

- Bill (Cincinnati, OH) asks which small-business budgeting software Dave recommends. 

- Emily (Detroit, MI) gives her debt-free scream from the lobby. She paid off $36,000 in 30 months. 

- Dave talks about all of the Christmas deals at daveramsey.com. 

- Dave answers the Blinds.com question of the day. Mike asks, "Under what circumstances do you no longer need life insurance?"

- Jordan (Cincinnati, OH) is saving for his kids' college but also for moving. How can he do both?

- Deon (Los Angeles) says they won't let you rent a car without a credit card unless you have a flight ticket. 

- John (Cleveland, OH) wants to pay off his debts fast. He has a $17,000 car loan with 19% interest on a $30,000 income. 

- Dave rants about doing stupid things with money. 

 



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#8468: Making Debt Consolidation Clear for Claire


Tue, Nov 22, 2016


Hour 1: Aired on Tuesday, November 22, 2016

- Chris Brown, radio show host of Christ Brown's True Stewardship, joins Dave in the studio. 

- Mark (Knoxville, TN) needs help getting started with investing. 

- Leslie (Muscle Shoals, AL) asks if they need sinking funds for big purchases. 

- Dave answers Alan's question from Twitter. What should he do if his emergency fund runs out?

- Dave talks about the budgeting tool EveryDollar and encourages listeners to do a budget. 

- Claire (Nashville, TN) asks if debt consolidation is a good thing. 

- Zach (Dayton, OH) is considering pausing Baby Step 3. 

- Matt and Megan (Joplin, MO) give their debt-free scream from the lobby. They paid off $56,000 in 31 months. 

 - Steve (Great Falls, MT) asks if he should use money from his IRA to fund his business. 

- Daniel (Visalia, CA) wonders if he should have a bigger emergency fund. 

- Dave and Chris talk about student loans for doctors and lawyers who don't finish and are left with tens of thousands in debt. 

 



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#8467: Why Does Dave Call Car Leases "Fleeces?"


Mon, Nov 21, 2016


Hour 3: Aired on Monday, November 21, 2016

- Lindsay (Chicago) has 6-month-old twins. Can she have a single 529 account for both of them?

- Jeremy (Evansville, IN) is considering seeing a CPA. His take-home pay is lower than it should be. 

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

- Dave explains car leases and why he calls them "car fleeces." 

- Greg and Jeanne (Los Angeles) give their debt-free scream from the lobby. They paid off $96,697 in just 26 months! 

- Dave shares the Scripture and quote of the day. 

- Sara (Chicago) and her husband both received refunds from their pensions. How do they handle this without taxes and penalties?

- Jennifer (Baton Rouge, LA) asks how to get a zero credit score. 

 



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#8466: The 411 on Morgan's 401(k)


Mon, Nov 21, 2016


Hour 2: Aired on Monday, November 21, 2016

- Ron (St. Louis, MO) has to pay off a collector. His car loan and medical debt have been lumped together. 

- Dave talks about the YouTube channel and the Millionaire Theme Hour calls posted there. 

- Dave answers the Blinds.com question of the day. JoAnne's married kids are excited to start the Total Money Makeover plan. How can they support them?

- Tabitha (Fort Collins, CO) is in the middle of a debt snowball, but the GI Bill doesn't cover her husband's school.

- Becky and Erich (Flint, MI) give their debt-free scream from the lobby. They paid off $130,493 in 30 months. 

- Dave encourages listeners that now is the time to make a change. 

- Nancy (Tuscon, AZ) needs to know where to get started. 

- Dave talks about the importance of Financial Peace University and what a great Christmas gift it makes. 

- Morgan (Atlanta) graduated from college debt-free. How much should she put into her 401(k)?



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#8465: Eloy and Vanessa paid off $207k!


Mon, Nov 21, 2016


UNEDITED 

Hour 1: Aired on Monday, November 21, 2016

- Paul (Harrisburg, PA) is paying for half of his kids' student loans with a home equity loan. What is he doing wrong?

- Anna (Abilene, TX) asks what order she should pay off her debt. 

- Steve (Baltimore, MD) is saving for his kids' college. What's the best way to do this?

- Lyndon (Boston, MA) is in a bind. His wife wants to buy a duplex and rent out the other side to her mother. 

- Nate (Columbia, MO) asks how much life insurance he needs. 

- Eloy and Vanessa (San Antonio, TX) give their debt free scream They paid off a whopping $207,000 in 7 years!

- Rachel Cruze joins Dave in studio to discuss the idea of "Give a little before you can give a lot." This is from her best seller, "Love Your Life Not Theirs." 

- 



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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