📊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

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and Dr. John Delony answer your questions and discuss: "How do I pay off my $365,000 of debt in two years?" "I haven't been filing taxes since 2014, what should I do?" "Our housing is over 50% of our income—should we sell our house or increase our income?" "How can I safeguard my money when I have a Bipolar episode?" "How do I pay for PA school when I can't afford it in cash?" 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! 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People ❤️‍🩹 Get trusted insurance coverage that fits your budget 💌 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. Sign up for your free trial at Shopify. 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

📈 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 Rachel Cruze answer your questions and discuss: “My sister-in-law is gifting us $73,000 to pay off my wife's student loans. Should we wait to see if her student loans get forgiven first?” “My financial advisor wants me to take out a loan for my living expenses instead of drawing on my investments. Is he right?” “My job is making me go into debt every month after my sales income dried up. What should I do?” “I have $60,000 of credit card debt. How do I pay this off?” “My aunt offered to pay off my car debt. Should I accept?” 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! 🚢 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. Sign up for your free trial at Shopify. 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