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The Dave Ramsey Show





Published: Tue, 28 Mar 2017 18:43:11 +0000

Last Build Date: Tue, 28 Mar 2017 23:01:51 +0000

Copyright: Copyright 2017
 



#8738: The Lease of Heather's Problems

Tue, 28 Mar 2017 18:43:11 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8737: Nick Is 17 With a Grown-Up Savings Account

Tue, 28 Mar 2017 18:42:56 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8736: Christy Wright Joins Dave in Studio to Talk Life Balance

Tue, 28 Mar 2017 18:42:34 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8735: Aaron Is Upside-Down on His Car—And His Other Car

Mon, 27 Mar 2017 19:06:42 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8734: Chad and Libby From Michigan Paid Off $202K!

Mon, 27 Mar 2017 19:06:29 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8733: Turning the Page After Chapter 13

Mon, 27 Mar 2017 19:06:02 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8732: Americans Owe $1 Trillion on What?

Fri, 24 Mar 2017 15:46:53 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8731: Emily and Eric From Ohio Paid Off $234,318!

Fri, 24 Mar 2017 15:46:40 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8730: Why Pay Off Bad Debt?

Fri, 24 Mar 2017 15:46:26 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8729: Americans Are Dying With an Average of How Much Debt?

Thu, 23 Mar 2017 18:28:15 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8728: Christy Wright Joins Dave in Studio to Discuss Business Boutique

Thu, 23 Mar 2017 18:27:18 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8727: Renowned Author and Speaker Dr. Henry Cloud Joins Dave in Studio

Thu, 23 Mar 2017 18:26:24 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8726: Three Cheers for Responsibility

Wed, 22 Mar 2017 14:38:05 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8725: When to Shut a Start-Up Down

Wed, 22 Mar 2017 14:37:51 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8724: Brian and Melissa Paid Off $125K in 4 Years!

Wed, 22 Mar 2017 14:37:35 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8723: Is Universal Life Insurance a Good Idea?

Tue, 21 Mar 2017 16:41:26 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8722: Should I Pay Off My Kids' Student Loans?

Tue, 21 Mar 2017 16:41:12 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8721: Why Is Baby Step 3 Taking Forever?

Tue, 21 Mar 2017 16:40:55 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8720: Take a Job Offer in Hawaii?

Mon, 20 Mar 2017 20:53:21 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8719: Dave Talks Raising Children

Mon, 20 Mar 2017 20:50:42 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8718: Help—I Started Saving Late for Retirement!

Mon, 20 Mar 2017 20:49:59 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8717: How to Diversify Stocks

Fri, 17 Mar 2017 18:31:29 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8716: Should Patrick Buy a Condo at a Beach Resort?

Fri, 17 Mar 2017 18:31:13 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8715: Nathan and Rachel Paid Off $280K in 19 Months!

Fri, 17 Mar 2017 18:30:56 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8714: Are Solar Panels a Wise Investment?

Thu, 16 Mar 2017 17:59:50 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8713: Jordan Is House Poor

Thu, 16 Mar 2017 17:59:29 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8712: Today Show Editor Jean Chatzky Joins Dave in Studio

Thu, 16 Mar 2017 17:59:10 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


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#8711: How Much Should Joey Help His Parents?

Wed, 15 Mar 2017 18:29:02 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8710: Renowned Speaker and Writer Andy Andrews Joins Dave in Studio

Wed, 15 Mar 2017 18:28:44 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8709: Brandon and Kelly Paid Off $120,591 in 34 Months!

Wed, 15 Mar 2017 18:28:28 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8692: Paul and Sylvia Paid Off $100K!

Tue, 07 Mar 2017 23:26:09 +0000

The Dave Ramsey Show is real talk from America’s trusted voice on life and money.


Media Files:
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#8669: Is a Business Loan Okay?

Thu, 23 Feb 2017 19:31:37 +0000

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you how to manage and budget your money, get out of debt, build wealth, and live in financial peace.


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#8668: How to Fix a Messed Up Credit Report

Thu, 23 Feb 2017 19:31:18 +0000

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you how to manage and budget your money, get out of debt, build wealth, and live in financial peace.


Media Files:
http://traffic.libsyn.com/daveramsey/02232017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8667: Does a Harvard Study Agree With Dave?

Thu, 23 Feb 2017 19:30:58 +0000

The Dave Ramsey Show is about real life and how it revolves around money. Dave Ramsey teaches you how to manage and budget your money, get out of debt, build wealth, and live in financial peace.


Media Files:
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#8666: Christy Wright Joins Dave in Studio

Wed, 22 Feb 2017 20:38:50 +0000

Hour 3: Aired on Wednesday, February 22, 2017

- Christy Wright joins Dave in studio to talk Business Boutique, and the idea of not feeling guilty for making a profit. 

- Dave promotes Christy's new book, Business Boutique

- Lanelle (San Antonio, TX) wants to start an in-home adult day care service. What does she need to get started? 

- Mayte (Las Vegas, NV) wants to get her real estate business off the ground and actually start making some money. 

- David and Kristin (Biloxi, MS) do their debt-free scream. They paid off $78,000 in 3 years. 

- Brad (Reno, NV) asks if he should sell the rental to pay off his house. 

- Dave shares the scripture and quote of the day. 

- Dave rants about how you become who you hang around with.

- Crissy (New York, NY) owns a house with her sister. Should she and her husband buy her sister out?

 


Media Files:
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#8665: Millionaire Theme Hour

Wed, 22 Feb 2017 19:59:26 +0000

Hour 2: Aired on Wednesday, February 22, 2017

- Dave introduces Millionaire Theme Hour and talks about some of the myths surrounding millionaires. 

- Jeff (Houston, TX) has a net worth of $1.69 million at 57.

- Allan (Sacramento, CA) has a $3 million net worth at 62. 

- Matt (Denver, CO) is 61 with a net worth of $1.3 million. 

- Ann (Charleston, WV) is 48 with a net worth of $2.25 million. 

- Russ (Pittsburgh, PA) has a net worth of $2.7 million at 54. 

- Kelly (Kansas City, MO) is 57 with a million dollars. 

 


Media Files:
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#8664: Nicolai and Jessica Paid Off $149K!

Wed, 22 Feb 2017 19:24:27 +0000

Hour 1: Aired on Wednesday, February 22, 2017

- Jessica (Houston, TX) is concerned about the extravagant gifts her mother gives knowing she can't afford them. 

- Megan (Dallas, TX) is moving to Idaho soon. Should they pause Baby Step 3?

- Charissa (Tucson, AZ) owes more on their home than it's worth. Should they sell and rent?

- Dave answers Madison's question from Facebook. Do you need mortgage insurance to qualify for a home loan?

- Nicolai and Jessica (Phoenix, AZ) do their debt-free scream from the lobby. They paid off $149,207 in 40 months! 

- Dave talks about the 20% off sale at DaveRamsey.com. 

- Dave answers the Blinds.com question of the day. Johanna asks if she should decrease her 15% contribution to a TSP (Thrift Savings Plan) and save to buy a town house with cash. 

- Theo (Atlanta, GA) wants to get out of a car lease. 


Media Files:
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#8663: Where Do Student Loans Fit in the Baby Steps?

Tue, 21 Feb 2017 22:30:00 +0000

Hour 3: Aired on Tuesday, February 21, 2017

- Amy (Columbus, OH) wonders how to pay the bill she owes the IRS. 

- Katharine (Springfield, IL) wants to know where student loans fit in the Baby Steps.

- Lindsay (Lancaster, PA) questions if she should move to a new city before finding a new job.

- Brandon and Edith join Dave in the lobby to do their debt-free scream after paying off $146,000 in 39 months.

- Dan (Kansas City, MO) asks about teacher retirement funds.

- Dave shares the Scripture and quote of the day.

- Crystal (Midland-Odessa, TX) wants to know if she should sell the house.

- Brad (Houston, TX) has a baby on the way and says they're not prepared financially.


Media Files:
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#8662: Dave Discusses New Book, Business Boutique

Tue, 21 Feb 2017 22:20:00 +0000

Hour 2: Aired on Tuesday, February 21, 2017

- Meghan (Los Angeles, CA) wants to know about moving her business into an LLC.

- Dave talks about Christy Wright’s new book, "Business Boutique."

- Alex (St. Louis, MO) asks about the best health insurance options for veterans.

- Angela (Fredericksburg, VA) wonders about selling her house.

- Kyle (Philadelphia, PA) asks about Thrift Savings Plan options and the buyback program.

- John (Little Rock, AR) questions whether he should pay off the house or invest more.

- Alex on Twitter wonders what Dave's recommends doing to make more money while getting out of debt.

- Eric and Christine join Dave in the lobby to do their debt-free scream after paying off $21,000 in 17 months.

- Dave talks about The Dave Ramsey Show YouTube Channel.

- Dave answers the Blinds.com question of the day from Jessie, who asks about setting money aside before her husband joins the military.

- Vanessa (Boston, MA) asks about investing in her business.

- Frederick (Phoenix, AZ) wants to know about ETF accounts.


Media Files:
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#8661: Gabrielle and Thomas Paid Off $334K!

Tue, 21 Feb 2017 22:10:00 +0000

Hour 1: Aired on Tuesday, February 21, 2017

- Stephanie (San Antonio, TX) wants to help her imprisoned brother without enabling him.

- Dave talks about Financial Peace University.

- Maria (Birmingham, AL) wonders about credit repair companies.

- Roxanne (San Antonio, TX) asks if she should stop investing in her retirement.

- Gabrielle and Thomas join Dave in the lobby to do their debt-free scream. They paid off $334,000 in six and a half years.

- Quaynce (St. Louis, MO) asks the best way to use a tax refund.

- Seneca (Sacramento, CA) wonders if it's a good idea to attend Financial Coach Master Training right now.

- Philip (Las Vegas, NV) is behind on rent and asks if he should accept the money his parents are offering him.

- Rachel on Facebook wonders what to do about her student loans.


Media Files:
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#8660: Running Out of Money in San Diego

Mon, 20 Feb 2017 22:30:00 +0000

Hour 3: Aired on Monday, February 20, 2017

- Will (Orlando, FL) asks if he should sell one of his rental properties.

- Dave promotes the upcoming Smart Conference events in San Antonio and Phoenix. 

- Jennifer (San Diego, CA) has a sick child. They may run out of money before they can pay their bills. How should they prioritize?

- Dave talks about Christy Wright's new book, Business Boutique

- Tony (Anaheim, CA) has debt in a business partnership. He took out the loan. 

- Jared (Nashville, TN) wonders how to allocate funds in his Thrift Savings Plan. 

- Brian (Tucson, AZ) asks about interest-only lines of credit. 

- Dave shares the Scripture and quote of the day. 

- Dave encourages millionaires to take part in an upcoming Millionaire There Hour. 

- Sarah (Seattle, WA) is a single woman with no kids. Does she need life insurance? 

- Genia (Fort Smith, AR) asks if she should remodel her home for wheelchair access for her mom. 


Media Files:
http://traffic.libsyn.com/daveramsey/02202017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8659: How Does Dave Feel About Warehouse Clubs?

Mon, 20 Feb 2017 22:20:00 +0000

Hour 2: Aired on Monday, February 20, 2017

- Justin (Sacramento, CA) says his father passed away and now his mom has a big tax bill. How can he help her?

- Dave answers Jessica's question from Facebook. How does Dave feel about warehouse clubs. 

- Amber (Midland-Odessa, TX) has an investment property that isn't making any money. 

- Daniel (Omaha, NE) asks if he should move back to Los Angeles to successfully start his career and get out of debt. 

- Casey (Tampa, FL) asks how much to tithe in Baby Step 2. 

- Shareef (Chicago, IL) has been married for 19 years. They've never combined their finances. How can they do this going forward?

- Michael (Miami, FL) is considering joining his brother-in-law's business. 


Media Files:
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#8658: Brian and Stephanie Paid Off $158K!

Mon, 20 Feb 2017 22:10:00 +0000

Hour 1: Aired on Monday, February 20, 2017

- Dave talks about last week's episodes. 

- Elizabeth (Houston, TX) asks how to wisely get a new vehicle. 

- Dave mentions accessing The Dave Ramsey Show on Alexa-enabled devices. 

- Dave answers the Blinds.com question of the day. William is 63 and has a net worth of $3 million. His wife wants long-term care insurance, but it's expensive. Do they need it?

- Kristen (Atlanta, GA) asks how to get a deal on rental property.

- Brian and Stephanie (Indianapolis) do their debt-free scream from the lobby. They paid off $158,542 in seven years and seven months. 

- Deanne (Edmonton, Alberta) needs help figuring out the best way to pay off her mortgage. 

- William (Fayetteville, NC) has amassed Series EE bonds over the years.

- Deanna (Phoenix, AZ) has a self-employed side job. How can she handle paying taxes on that?

- Kristen (Little Rock, AR) is worried about her parents' financial situation. They're offering to pay her student loans.

- Dave encourages millionaires to take part in an upcoming Millionaire Theme Hour.  


Media Files:
http://traffic.libsyn.com/daveramsey/02202017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8657: Randy's on the Fence About His House

Fri, 17 Feb 2017 22:30:00 +0000

Hour 3: Aired on Friday, February 17, 2017

- Eddie (Amarillo, TX) needs help for his grown daughter. She lost her job but still wants to pay off debt. 

- Jackie (Los Angeles) has an elderly mom who unknowingly cosigned for a car loan. 

- Gene (Orlando, FL) wants to go back to school. 

- Dave answers Amy's question from Facebook. They're on Baby Step 2. Should they be investing in a matching 401(k)?

- Dave warns against student loans. 

- Aaron and Rachel do their debt-free scream after paying off $14,900 in 25 months. 

- Dave answers the Blinds.com question of the day. Caroline wants her name on the house before she and her fiancé marry. 

- Justin (Provo, UT) wants to take a second job to pay off debt faster, but his wife wants him home more with the new baby. 

- Dave shares the Scripture and quote of the day. 

- Randy (Topeka, KS) is on the fence about refinancing his house. 

- Colton (Amarillo, TX) asks if he should go to a two-year or a four-year college. 


Media Files:
http://traffic.libsyn.com/daveramsey/02172017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8656: Doug and Ashley Paid Off $103K!

Fri, 17 Feb 2017 22:20:00 +0000

Hour 2: Aired on Friday, February 17, 2017

- Scott (Columbia, SC) isn't sure whether he should start a video production business or buy a new home. 

- Dave answers a Twitter question from Lucas. When adding to term life insurance, should you cancel the old policy or add another one?

- Dave answers Brandi's question from Facebook. She's a month ahead on a bill. Should she stay ahead or put that money toward debt?

- Joseph (Florence, AL) needs to talk to his cousin about money. 

- Terry (Lexington, KY) is an FPU coordinator. He needs help with a tough question from one of the attendees. 

- Doug and Ashley (Tulsa, OK) do their debt-free scream from the lobby. They paid off $103,000 in five years. 

- Dave answers a Twitter question. Does a will override life insurance beneficiaries?

- John (Las Vegas) asks why a Roth IRA is better than a traditional IRA or 401(k)?

- Oliver (Fresno, CA) is upside-down on a car lease. The dealer won't let him out early. 


Media Files:
http://traffic.libsyn.com/daveramsey/02172017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8655: Dave Asks Dave About Apple Pay

Fri, 17 Feb 2017 22:10:00 +0000

Hour 1: Aired on Friday, February 17, 2017

- Garrett (Little Rock, AR) has a 3.3 GPA. Should he take out a student loan that converts to a scholarship? 

- Travis (Kansas City, KS) is getting married in July. How much should they save for their wedding and starter emergency fund?

- Jared (Austin, TX) is being sued by a credit card company. What should he do? 

- Anne (San Antonio, TX) is in a disagreement with her siblings over the family trust.

- Nathan and Ashley (Dallas, TX) give their debt-free scream. They paid off $45,000 in nine months. 

- Dave answered Dave's question from Facebook. (No, not his own!) What does Dave think about using a debit card with Apple Pay or Samsung Pay?

- Lex (Portland, OR) asks why the mortgage isn't in Baby Step 2.

- Amy (Tucson, AZ) needs to fund college for their teens. Should they rearrange the Baby Steps?

- Lacey (Phoenix, AZ) is in a disagreement with her husband on how to use a $76,000 accident settlement. 


Media Files:
http://traffic.libsyn.com/daveramsey/02172017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8654: How Much House Can Brandi Afford?

Thu, 16 Feb 2017 22:30:00 +0000

Hour 3: Aired on Thursday, February 16, 2017

- Brandi (Middletown, OH) wonders how much house they can afford.

- Dave answers Hannah's question from Facebook. Is it ok to start term life insurance low and increase it when they have kids?

- Dave answers the Blinds.com question of the day. Mary Beth almost owes more on her car than it's worth. Should they get it down to the break even point and sell?

- Ashanti (Philadelphia, PA) owes friends money. Should she move a high-interest credit card above them in her debt snowball?

- Jason (Baton Rouge, LA) is $26,000 in debt and expecting a baby. Should they stop paying down debt and save up for the birth? 

- Phil and Andrea (North Canton, OH) do their debt-free scream. They paid off $85,000 in 18 months. 

- Dave shares the Scripture and quote of the day. 

- Kathy (Louisville, KY) is struggling with a mom who has dementia. Her sister has power of attorney, but isn't communicating with her or her siblings. 

- Dave rants on why it's important to do a will and keep open communication with the heirs. 


Media Files:
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#8653: When Is It Time to Ask for a Raise?

Thu, 16 Feb 2017 22:20:00 +0000

Hour 2: Aired on Thursday, February 16, 2017

- Rosie (Salem, OR) disagrees with her husband on whether to continue his side business. 

- Tammy (Atlanta, GA) filed bankruptcy. A bank has since foreclosed on their business property. Will they still owe taxes?

- Mary (Cincinnati, OH) asks why Dave encourages people not to take part in employee stock purchase programs. 

- Dave answers Emily's question from Twitter. When is it time to ask for a raise? 

- Robert and Julie (Milwaukee, WI) do their debt-free scream from the lobby. They paid off $63,500 in 13 months. 

- Dave answers a Facebook question from Chris. How can a family with below-average income get out of debt?

- Brian (Boise, ID) asks if he should do a credit card balance transfer to take advantage of a lower interest rate. 

- Raymond (Greenville, SC) is thinking of taking a pay cut so he can work closer to his wife and kids.  

- Ruben (Boise, ID) asks if he's a millionaire. 


Media Files:
http://traffic.libsyn.com/daveramsey/02162017_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8652: Cody and Jami Paid Off $100K in One Year!

Thu, 16 Feb 2017 22:10:00 +0000

Hour 1: Aired on Thursday, February 16, 2017

- Jeff (Sacramento, CA) wants to move into a lesser house but his wife is uneasy about it. 

- Dave answers a Twitter question from James. He wants to read books by Zig Ziglar. Where should he start?

- Ricardo (Bozeman, MT) is worried about private mortgage insurance (PMI) and isn't sure whether they should buy a home or not. 

- Neil (Tucson, AZ) needs help guiding his high school son toward college. 

- Cody and Jami (Bethlehem, PA) do their debt-free scream. They paid off $100,000 in one year. 

- Dave answers Will's question from Twitter. How do you know if your neighborhood is on the way up or down. 

- Nancy (Orlando, FL) can't afford to spend 25% of take-home pay on housing. 

- Chris (Orlando, FL) received a collection settlement letter, but it's not signed. Is it valid?

- Dave answers Jonny's question from Facebook. Is it wise to use Roth IRA money to pay cash for a home?

- Dave explains why it isn't wise to try to take shortcuts to reach your goals.  


Media Files:
http://traffic.libsyn.com/daveramsey/02162017_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8651: Ken Coleman, Anthony ONeal and Rachel Cruze Talk Prom

Wed, 15 Feb 2017 22:30:00 +0000

Hour 3: Aired on Wednesday, February 15, 2017

- Ken Coleman, Anthony ONeal and Rachel Cruze announce Anthony's $1,000 Prom Giveaway. They discuss their high school proms.

- Laura (Springfield, MO) can enroll in a student loan reimbursement program that will pay back 85%. Should she do it?

- Jackie (Oklahoma City) is considering refinancing a personal loan. 

- Ken, Anthony and Rachel answer Jen's question from Twitter. She always overspends on clothing. How can she dial it back?

- Ken, Anthony and Rachel read a Facebook message from someone who had to evacuate the California dam emergency and isn't worried about money.

- Abigail (San Luis Obispo, CA) doesn't want to take out student loans. Her mom does. What should she do?

- Ken, Anthony and Rachel answer Darby's question from Facebook. She's a senior and worried her parents won't have enough to send her to college. 

- Kate (St. Cloud, MN) wants to get a teen on board with the plan. 

- Yesenia (Los Angeles) just started the Baby Steps in January. Should they use their tax refund on an A/C repair or to pay down debt?

 


Media Files:
http://traffic.libsyn.com/daveramsey/02152017_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408