📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “My husband and I keep having arguments over a truck he promised to sell” “I’m drowning in debt, and debt consolidation did not work. How do I get out of this?” “How do I pay off $330,000 in student loan debt?” “Should we invest in a $250,000 annuity that provides long-term care and life insurance?” “Should we move our IRAs into whole life insurance policies in order to buy rental properties?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 📈 How much do you need to invest each month to retire a millionaire? 💵 Start your free budget today. Download the EveryDollar app! 🤘 Reconnect with your spouse—limited Marriage kits available. ✅ Get your biggest Medicare questions answered. Watch the free webinar now! 🎄Shop $13 Christmas bestsellers and more today! 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People ❤️‍🩹 Get trusted insurance coverage that fits your budget 📲 Find out how much faster you could pay off your mortgage with our free mortgage payoff calculator Connect With Our Sponsors: Go to Angel to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today. Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Make navigating healthcare easier. Go to Solace Health to see if you qualify. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📊Calculate your net worth 💵 Start your free budget today. Download the EveryDollar app! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off. Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Explore more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Dr. John Delony answer your questions and discuss: "Should I prioritize paying down my mortgage over my auto loan?" "Should we invest in real estate to prevent our son from being taxed on his inheritance?" "I'm going to be losing my job in a few months, should I bulk up my emergency fund?" "We are exhausted from being gazelle-intense over the last few years, can we sell our home to clear out our debt?" "I've been served papers for an old credit card debt. How should I deal with it?" Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 📈 How much do you need to invest each month to retire a millionaire? 💵 Start your free budget today. Download the EveryDollar app! ✅ Get your biggest Medicare questions answered. Watch the free webinar now! 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People 🤘 Reconnect with your spouse—limited Marriage kits available. Connect With Our Sponsors: Go to Angel to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today. Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Make navigating healthcare easier. Go to Solace Health to see if you qualify. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s no shortage of opinions about investing. In this compilation, The Ramsey Show cuts through the noise to discuss retirement strategies, investment options and the principles behind building wealth. 📊Calculate your net worth 💵 Start your free budget today. Download the EveryDollar app! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off. Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Explore more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy 0:00 Nearly All My $18 Million Net Worth Is in One Stock 7:49 I Inherited Millions After My Mom’s Death 15:29 Should I Keep Working 3 Jobs? 24:49 The 3 Most Important Investing Principles 33:27 Is 60% Too Much to Be Investing? 38:10 Is a CD the Safest Place for Investments? 45:16 Why Roth Investments Are Better Than Traditional 51:25 Why Mutual Funds Over Index Funds? Learn more about your ad choices. Visit megaphone.fm/adchoices

📊Calculate your net worth 💵 Start your free budget today. Download the EveryDollar app! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off. Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Explore more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “I'm 20 years old and homeless. How can I get out of debt?” “My parents want to contribute to investments for my kids, but they would only do it if we open Trump Accounts.” “Should we live with family before our baby is born?” “Can we consolidate debt if it means we will pay off our debt faster?” “Should I buy a home in cash or invest the money?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 💰 How much do you need to invest each month to retire a millionaire? 💵 Start your free budget today. Download the EveryDollar app! 💰Enter for a chance to win $10,000 plus weekly $500 prizes! 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People 💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses. Connect With Our Sponsors: Go to Angel to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today. Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Make navigating healthcare easier. Go to Solace Health to see if you qualify. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📊Calculate your net worth 💵 Start your free budget today. Download the EveryDollar app! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off. Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Explore more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📊Calculate your net worth 💵 Start your free budget today. Download the EveryDollar app! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off. Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Explore more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📊Calculate your net worth 💵 Start your free budget today. Download the EveryDollar app! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off. Learn more about Christian Healthcare Ministries Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.  Get 20% off when you join DeleteMe. Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!  Explore more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices