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Preview: The Dave Ramsey Show

The Dave Ramsey Show





Published: Fri, 20 Jan 2017 16:06:44 +0000

Last Build Date: Sat, 21 Jan 2017 00:02:03 +0000

Copyright: Copyright 2017
 



#8597: Jason's Beef With the Boss

Fri, 20 Jan 2017 16:06:44 +0000

Hour 3: Aired on Friday, January 20, 2017

- Jim (San Antonio, TX) is considering selling his new truck. 

- Don (State College, PA) is tired of budgeting. How can he get back on track?

- Dan (Tallahassee, FL) does his debt-free scream. He paid off $12,900 in nine months. 

- Bill (Oklahoma City, OK) is in a legal battle over debt. Can he negotiate with the lawyer like he would with a creditor?

- Dave answers Maurice's question from Twitter. Is it smart to save money while in college or attack debt?

- Dave answers Brock's question from Twitter. Is there a good rule of thumb for how much money to keep in a health savings account?

- Jason (Orlando, FL) disagrees with his boss about how he runs the company. Should he go out on his own?

- Dave shares the Scripture and quote of the day. 

- Nathan (Orlando, FL) makes commissions as a real estate agent. How can he negotiate to earn the standard six percent?


Media Files:
http://traffic.libsyn.com/daveramsey/01202017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8596: The Family Farm in Idaho

Fri, 20 Jan 2017 15:40:20 +0000

Hour 2: Aired on Friday, January 20, 2017

- Jennifer (Phoenix, AZ) asks if they should sell their car to pay down debt. 

- Alexander (Phoenix, AZ) received a settlement from a car accident. 

- Christina (Lewiston, ID) wants to pass down the family farm without having to divide it. 

- David (San Antonio, TX) promised his wife a new car, but now he knows it's a bad idea. 

- Jim and Peggy (Tallahassee, FL) do their debt-free scream. They paid off $47,000 in 10 months. 

- Jennifer (Chicago, IL) is a freelancer. Should she incorporate?

- Brian (New York, NY) asks if he should close his credit card accounts. 

- Andy (Medford, OR) is in Baby Step 4. His wife was just diagnosed with cancer. He's looking at a 457 vs. a Roth IRA. 

- Emmanuel (Baltimore, MD) is having trouble selling his condo. 


Media Files:
http://traffic.libsyn.com/daveramsey/01202017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8595: Going to College Debt-Free

Fri, 20 Jan 2017 15:36:54 +0000

Hour 1: Aired on Friday, January 20, 2017

- Roger (San Antonio, TX) asks how to choose the right real estate ELP from daveramsey.com.  

- Jessica (Birmingham, AL) doesn't have a ton of debt, but doesn't want any. Where does she start?

- David and Jessica (Orlando, FL) ask how to set money aside to start a family after filling up the emergency fund. 

- Allison (Raleigh-Durham, NC) is delaying retirement savings to save for a down payment on their first home. 

- Bryan (San Antonio, TX) isn't sure how their credit card payments are applied to the interest vs. the principal. 

- Alex and Audrey (Raleigh, NC) do their debt-free scream. They paid off $60,000 in 4.5 years. 

- Dave talks about the importance of Financial Peace University. 

- Dave answers the Blinds.com question of the day. Sean wants to go to college debt-free, but has no savings. 

- Tim (Hilton Head, SC) asks if a zero credit score will hurt his chance at getting a mortgage. 

- Andre (Dallas, TX) is on Baby Step 7 and has maxed out his 401(k). What should he do with the additional money? 


Media Files:
http://traffic.libsyn.com/daveramsey/01202017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8594: Steven and Shelley Paid Off $285K!

Thu, 19 Jan 2017 16:57:41 +0000

Hour 3: Aired on Thursday, January 19, 2017

- Chris (Montgomery, AL) asks how to get rid of a new truck and get something cheaper. 

- Josh (Kansas City, MO) owns a house with his brothers. How can he pay down the debt?

- Dave answers Linda's question from Twitter. How can she buy a good, cheap used car?

- Steven and Shelley (College Station, TX) do their debt-free scream. They paid off $285,000 in five years and three months. 

- Glen (Dallas, TX) needs to persuade his wife. She's questioning Dave's plan. 

- Dave shares the Scripture and quote of the day. 

- Dave talks about how you become who you hang around. 

- Tim (Seattle, WA) has a work related disability. Should he take an early retirement plan from the company?


Media Files:
http://traffic.libsyn.com/daveramsey/01192017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8593: Termites and the Renter Fit

Thu, 19 Jan 2017 16:44:27 +0000

Hour 2: Aired on Thursday, January 19, 2017

- Brian (State College, PA) asks how to get out of debt while raising four sons alone. 

- Patrick and Anne (Dubai, United Arab Emirates) do their debt-free scream. They paid off $21,370 in six months. 

- Amanda (Mobile, AL) has termites in her rental home. The renters knew about it beforehand, but now they're throwing a fit.

- Taylor (Jacksonville, FL) would like to advise his dad who is receiving a $50,000 inheritance.

- Ned (Las Vegas) is applying for a patent and needs advice. 

- Dave invites listeners to drop by Martha's Place.

- Ryan (Oakland, CA) asks if he needs an IRA at 18.

- Cory (Bakersfield, CA) wants to pause his debt snowball while his wife becomes an American citizen. 

- Dave mentions that we're hiring. 

- Dave answers the Blinds.com question of the day. Liz has a job contract ending. Should she keep paying down debt or pile up cash?

 


Media Files:
http://traffic.libsyn.com/daveramsey/01192017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8592: Does Dave Own a McDonald's?

Thu, 19 Jan 2017 16:41:41 +0000

Hour 1: Aired on Thursday, January 19, 2017

- Maria (Scottsdale, AZ) is considering taking money out of an IRA to buy another rental property.

- Robin (Birmingham, AL) asks how to advise a 28-year-old son on his financial future. 

- Dave talks about the upcoming Millionaire Theme Hour. 

- Marty (Sioux Falls, SD) has a daughter in college who wants a credit card so she can rent a car. 

- Makita (Atlanta, GA) has an aunt asking for money. 

- Brian and Loriann (Nashville, TN) do their debt-free scream. They paid off $243,000 in four-and-a-half years. Brian is a Ramsey team member. 

- Dave answers Roger's question from Twitter. Does Dave really own a McDonald's? 

- Christian (Phoenix, AZ) asks how to get out of credit card debt while making little money. 

- Nathan (Dayton, OH) is $57,000 in debt. Should he use an old 401(k) to pay it down? 


Media Files:
http://traffic.libsyn.com/daveramsey/01192017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8591: Fix Up the Mobile Home?

Wed, 18 Jan 2017 15:56:58 +0000

Hour 3: Aired on Wednesday, January 18, 2017

- Joel (Houston, TX) received a bill for childbirth expenses from doctors he's never heard of. 

- Stephen (Birmingham, AL) wants to get started saving for his 10-month-old daughter's college. 

- Dave answers Kimberley's question from Facebook. She's getting ready to travel to Europe. What's the best way to exchange currency? 

- Michael (St. Louis, MO) asks how to pay off a student loan. 

- Dave promotes his all-time best-selling book "The Total Money Makeover." 

- Sara (Los Angeles, CA) does her debt-free scream. She paid off $34,473 in three months. 

- David (Des Moines, IA) asks if they should sell their mobile home or renovate it.

- Dave shares the Scripture and quote of the day. 

- Dave answers the Blinds.com question of the day. Travis wants to change careers but would have to go into debt to do it. Should he?

- Ronnie (Knoxville, TN) asks if he should drop a percentage on his 401(k) to pay off the house. 

- Brent (Roanoke, VA) has a 0% loan. Should they pay it off before investing? 


Media Files:
http://traffic.libsyn.com/daveramsey/01182017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8590: Using a Tax Pro Versus Self-Filing

Wed, 18 Jan 2017 15:51:19 +0000

Hour 2: Aired on Wednesday, January 18, 2017

- Kelly (Houston, TX) has $35,000 in debt. Should they use 401(k) money to pay off that debt and buy a home in a better school district?

- Phil (Winston-Salem, NC) has no debt but is broke. How does he rebuild?

- Jonathan (Norfolk, VA) is receiving severance pay. 

- Dustin (Roswell, NM) wants the benefits of a tax pro versus self-filing. 

- Brandon and Caitie (Tulsa, OK) do their debt-free scream from the lobby. They paid off $34,700 in 18 months. 

- Joseph (Syracuse, NY) isn't sure when to retire. 

- Larry (Virginia Beach, VA) is moving out of town. Should they sell their house or rent it out?

- Chris (Colby, KS) wonders where to go after Baby Step 3. You would think Baby Step 4. What does Dave say? 

- Don (Rockport, IL) has a lien on his house following a bankruptcy. 

- Alex (Phoenix, AZ) wants to go to a prestigious college, but that would require a student loan. 

 


Media Files:
http://traffic.libsyn.com/daveramsey/01182017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8589: The Get Out of Debt Chase

Wed, 18 Jan 2017 15:42:10 +0000

Hour 1: Aired on Wednesday, January 18, 2017

- Jim (Kansas City, MO) asks if he should consolidate his credit card balances to a card with no transfer fees or interest for 15 months. 

- Erik (Nashville, TN) owes $10,000 more on a car than what it's worth.

- Dave talks about the importance of Financial Peace University. 

- Michael (San Francisco, CA) owns rental property in Las Vegas. What should they do with them?

- Wes (Atlanta, GA) inherited an IRA. Should he use it for credit card debt?

- Dave answers Tom's question from Facebook. Why is there such a price difference between life insurance companies?

- Jared (Fort Wayne, IN) has in-laws who want a credit card. 

- Chase (Charlotte, NC) is working hard to get out of debt, but not getting anywhere. 

- Tyler (Colorado Springs, CO) is in the market for an engagement ring. 

- Sandy (Atlanta, GA) owes the IRS but has a limited income. 

- Barry (Huntsville, AL) can't talk his wife out of an expensive car despite the fact they can't afford it. 


Media Files:
http://traffic.libsyn.com/daveramsey/01182017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8588: The Will of Fortune

Tue, 17 Jan 2017 19:09:19 +0000

Hour 3: Aired on Tuesday, January 17, 2017

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

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

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

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

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

- Dave shares the Scripture and quote of the day. 

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01172017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Tue, 17 Jan 2017 19:03:40 +0000

Hour 2: Aired on Tuesday, January 17, 2017

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

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

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

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

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

- Dave talks about the importance of EveryDollar.

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01172017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8586: Billy's 18 Houses

Tue, 17 Jan 2017 18:56:30 +0000

Hour 1: Aired on Tuesday, January 17, 2017

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

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

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

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

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

- Dave follows up on that call. 

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01172017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Mon, 16 Jan 2017 20:54:20 +0000

Hour 3: Aired on Monday, January 16, 2017

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

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

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

- Dave talks about the importance of Financial Peace University. 

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

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

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

- Dave shares the Scripture and quote of the day.

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


Media Files:
http://traffic.libsyn.com/daveramsey/01162017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8584: Anthony ONeal talks teens.

Mon, 16 Jan 2017 20:09:54 +0000

Hour 2: Aired on Monday, January 16, 2017

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

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

- Dave and Anthony talk about money issues teens face. 

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

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

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

- Dave talks about the Southwestern Books International Convention. 

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

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

 


Media Files:
http://traffic.libsyn.com/daveramsey/01162017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Mon, 16 Jan 2017 19:16:50 +0000

Hour 1: Aired on Monday, January 16, 2017

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01162017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8582: Should Lu Open a Roth IRA?

Fri, 13 Jan 2017 21:46:49 +0000

Hour 3: Aired on Friday, January 13, 2017

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

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

- Dave talks about Financial Peace University.

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

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

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

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

- Dave reads the Scripture and quote of the day.

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01132017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Fri, 13 Jan 2017 21:23:59 +0000

Hour 2: Aired on Friday, January 13, 2017

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

- Dave discusses the upcoming Smart Money tour. 

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

- Dave discusses Business Boutique with Katie.

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01132017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Fri, 13 Jan 2017 20:58:13 +0000

Hour 1: Aired on Friday, January 13, 2017

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

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

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

- Dave discusses the upcoming Smart Conference.

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01132017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Thu, 12 Jan 2017 21:42:55 +0000

Hour 3: Aired on Thursday, January 12, 2017

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

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

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

- Dave talks about the EveryDollar budgeting tool.

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01122017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Thu, 12 Jan 2017 21:36:35 +0000

Hour 2: Aired on Thursday, January 12, 2017

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01122017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Thu, 12 Jan 2017 21:15:04 +0000

Hour 1: Aired on Thursday, January 12, 2017

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01122017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8576: Joanie and the Upside Down Car

Wed, 11 Jan 2017 21:10:11 +0000

Hour 3: Aired on Wednesday, January 11, 2017

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

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

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

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

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

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

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

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

- Dave shares the scripture and quote of the day. 

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01112017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8575: Bruno and Brielle Break Free

Wed, 11 Jan 2017 20:52:58 +0000

Hour 2: Aired on Wednesday, January 11, 2017

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

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

- Dave talks about the importance of Financial Peace University.

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01112017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8574: Chris Hogan Joins Dave in Studio

Wed, 11 Jan 2017 19:42:56 +0000

Hour 1: Aired on Wednesday, January 11, 2017

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

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

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

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

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

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

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

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

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/01112017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8573: The Dawn of a New Era

Tue, 10 Jan 2017 20:53:47 +0000

Hour 2: Aired on Tuesday, January 10, 2017

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

- Chris talks about his upcoming schedule. 

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

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

- Dave shares the Scripture and quote of the day. 

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01102017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8572: Bond. Savings Bond.

Tue, 10 Jan 2017 20:09:47 +0000

Hour 2: Aired on Tuesday, January 10, 2017

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

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

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

- Dave talks about the importance of Financial Peace University. 

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01102017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8571: Retiring Strong in Boston

Tue, 10 Jan 2017 18:09:25 +0000

 

Hour 1: Aired on Tuesday, January 10, 2017

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

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

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

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

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

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

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

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

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

 

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/01102017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Mon, 09 Jan 2017 21:06:26 +0000

Hour 3: Aired on Monday, January 9, 2017

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

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

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

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

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

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

- Dave shares the Scripture and quote of the day. 

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

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

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

 


Media Files:
http://traffic.libsyn.com/daveramsey/01092017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Mon, 09 Jan 2017 20:01:14 +0000

Hour 2: Aired on Monday, January 9, 2017

- Dave rants about student loans. 

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01092017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8568: Where to Start Investing?

Mon, 09 Jan 2017 19:34:01 +0000

Hour 1: Aired on Monday, January 9, 2017

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

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

- Dave talks about the Business Boutique podcast. 

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/01092017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8548: The Dawn of Massive Debt

Fri, 30 Dec 2016 00:00:00 +0000

Hour 2: Aired on Thursday, December 29, 2016

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

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

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

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

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

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

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

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

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

 


Media Files:
http://traffic.libsyn.com/daveramsey/12292016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8542: Start a Drive-Thru Coffee Shop?

Tue, 27 Dec 2016 23:00:00 +0000

Hour 2: Aired on Tuesday, December 27, 2016

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12272016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Tue, 27 Dec 2016 23:00:00 +0000

Hour 1: Aired on Tuesday, December 27, 2016

- Dave rants about people who have a victim mentality.

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12272016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8543: Pay Down the House or Invest?

Tue, 27 Dec 2016 23:00:00 +0000

Hour 3: Aired on Tuesday, December 27, 2016

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

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

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

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

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

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

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

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

- Dave shares the Scripture and quote of the day.

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12272016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8452: Chris and the Slow Rolling Snowball

Mon, 14 Nov 2016 21:09:00 +0000

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. 

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/11142016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Mon, 14 Nov 2016 20:14:00 +0000

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?


Media Files:
http://traffic.libsyn.com/daveramsey/11142016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8450: Counting Dollars Before They Hatch

Mon, 14 Nov 2016 19:31:00 +0000

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. 


Media Files:
http://traffic.libsyn.com/daveramsey/11142016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8407: Latoya Is Considering a Second Life Insurance Policy

Mon, 24 Oct 2016 21:00:00 +0000

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.


Media Files:
http://traffic.libsyn.com/daveramsey/10242016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8406: A Strong Financial Foundation for Teens by Design

Mon, 24 Oct 2016 20:59:00 +0000

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. 


Media Files:
http://traffic.libsyn.com/daveramsey/10242016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Mon, 24 Oct 2016 20:58:00 +0000

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?


Media Files:
http://traffic.libsyn.com/daveramsey/10242016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Fri, 21 Oct 2016 21:08:00 +0000

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? 


Media Files:
http://traffic.libsyn.com/daveramsey/10212016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Fri, 21 Oct 2016 20:58:00 +0000

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. 

 


Media Files:
http://traffic.libsyn.com/daveramsey/10212016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Fri, 21 Oct 2016 20:57:00 +0000

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.

 


Media Files:
http://traffic.libsyn.com/daveramsey/10212016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8294: Big Debt Gone in Little Time!

Thu, 01 Sep 2016 19:00:00 +0000

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.


Media Files:
http://traffic.libsyn.com/daveramsey/09012016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#7840: Dave's Team Member Is Debt-Free!

Thu, 17 Dec 2015 21:30:00 +0000

- 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.


Media Files:
http://traffic.libsyn.com/daveramsey/12172015_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#7839: Ken Coleman hosts with special guests Rachel Cruze and Chris Hogan.

Thu, 17 Dec 2015 20:27:45 +0000

- 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.


Media Files:
http://traffic.libsyn.com/daveramsey/12172015_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408