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Preview: The Dave Ramsey Show

The Dave Ramsey Show





Published: Fri, 09 Dec 2016 20:59:06 +0000

Last Build Date: Sat, 10 Dec 2016 00:00:42 +0000

Copyright: Copyright 2015
 



#8507: Lindsey's Upside-Down Cars

Fri, 09 Dec 2016 20:59:06 +0000

Hour 3: Aired on Friday, December 9, 2016

- Justin (San Antonio, TX) is thinking about going back to school for a graduate degree to be a financial coach. Is this a good idea?

- Dave answers Carrie's question from Facebook. Does Dave ever recommend doing a credit card balance transfer?

- Dave talks about some of the technology jobs at Ramsey Solutions. They're posted on daveramsey.com. 

- Erika (Orlando, FL) wonders if she and her husband should refinance the parent plus loans that are in her in-laws' names.

- Lindsey (Oklahoma, OK) wants to get rid of two cars, but she owes more than they're worth. What are her options?

- Eric and Lisa (Minneapolis-St. Paul, MN) give their debt-free scream. They paid off $372,140 in 63 months. 

- Dave shares the Scripture and quote of the day. 

- Russell (Missoula, MT) asks if going to school is a good idea. 

- Trevor (Fort Wayne, IN) and his wife are expecting their second child. Should he take unpaid FMLA leave when their baby is born?


Media Files:
http://traffic.libsyn.com/daveramsey/12092016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8506: Author Ainsley Earhardt Joins Dave In Studio

Fri, 09 Dec 2016 19:59:03 +0000

Hour 2: Aired on Friday, December 9, 2016

- Leslie (Breckenridge, CO) asks how much she should save to buy a house. 

- Cory (Bloomington, IN) is paying off debt. Should he attack the student loans or mortgage first?

- Dave talks about the book signing event coming up Thursday 12/15 at our office. 

- Diane (Lansing, MI) has been told by her financial advisor to go with universal life insurance with long-term care benefits. 

- Dave explains why whole life/universal life policies aren't the way to go. 

- Nichole and Jeff (Peoria, IL) do their debt-free scream. They paid off $98,500 in 22 months. 

- Ainsley Earhardt, author of "Take Heart, My Child: A Mother's Dream," joins Dave in studio. 

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12092016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8505: Scott and Becky Paid Off $345K in 3 Years!

Fri, 09 Dec 2016 19:37:36 +0000

Hour 1: Aired on Friday, December 9, 2016

- Aaron (Huntsville, TX) isn't sure where to start paying off student loans. 

- Tanay (Houston, TX) is getting married, but her fiancée owes $200,000 to the IRS. 

- Joe (San Jose, CA) wants to know why whole life insurance is bad. 

- Wes (Dallas, Ft. Worth, TX) asks if they should pay off the house now. 

- Dave answers Sunny's question from Facebook. India is starting a cashless society. What are Dave's thoughts?

- Scott and Becky (Effingham, IL) do their debt-free scream. They paid off $345,000 in just three years!

- Dave talks about the 12 Deals of Christmas and reveals today's deal. 

- Dave answers the Blinds.com question of the day. Mary Kate is a junior in high school. When should she start working part-time or full-time?

- Treven (Wasilla, AK) asks if he should sell his rental. 

- Jonathan (Baton Rouge, LA) is considering a car loan. He needs a car and can't afford to pay cash. 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12092016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8504: Gabriel's Building a Future in NY

Thu, 08 Dec 2016 21:22:11 +0000

Hour 3: Aired on Thursday, December 8, 2016

- Carrie (Minneapolis-St. Paul, Minnesota) has $250,000 in debt. They also have a credit card with a $5,000 balance and a 28% interest rate. Should they transfer it to another card? 

- Amy (Tampa, FL) asks if they should use money from a TSP (Thrift Savings Plan) to pay back their HOA dues as they face bankruptcy.

- Dave talks about the various ways to watch and listen to the show. 

- Courtney (Columbus, OH) doesn't know what to do with his car. 

- Mary (Waco, TX) is saving for her kids' college. What's the best way to prepare in case laws change?

- Anthony (Midland-Odessa, TX) just started on the Baby Steps and may need to move to take a new job. 

- Kris and Breanne (Nashville, TN) do their debt-free scream from the lobby. Kris, a Ramsey team member, and his wife paid off $35,394 in 17 months. 

- Vince (Cincinnati, OH) asks if he should move for a job. 

- Dave shares the Scripture and quote of the day. 

- Brittany (Colorado Springs, CO) is in a good place financially, but asks if buying a house with an FHA loan is a good idea. 

- Gabriel (New York, NY) asks how to buy construction materials. 

- Dave answers Janeen's question from Facebook. Would Dave recommend any books for a new supervisor? 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12082016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8503: How Christopher Got Scammed Out of $2K

Thu, 08 Dec 2016 20:35:33 +0000

Hour 2: Aired on Thursday, December 8, 2016

- Kate (Saint Cloud, MN) has creditors calling her house looking for her mom. 

- Jeremy (Dayton, OH) has a child with cerebral palsy who may not go to college. Is a 529 a good idea?

- Dave talks about the book signing coming up at our offices next Thursday, 12/15.

- Christopher (San Antonio, TX) got scammed and lost $2,000. 

- Dave answers Jonetta's question from Facebook. Does Dave believe parents should pay for their children's college? 

- Chris and Samantha (Memphis, TN) do their debt-free scream. They paid off $30,000 in 11 months. 

- Michael (Madison, WI) needs to know how much he needs in his emergency fund. 

- Dave talks about tweets he's received about the new Amazon Go store. 

- Rachel Cruze joins Dave in the studio to talk about the importance of doing a "budget date night" with your spouse. 

 

 

 

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12082016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8502: Michael and Allison Paid Off $80K!

Thu, 08 Dec 2016 19:31:18 +0000

Hour 1: Aired on Thursday, December 8, 2016

- Mo (New York, NY) is starting medical school. What should his next steps be? 

- Sarah (Atlanta, GA) wonders if she should sell her new car. 

- Dave talks about the 12 Deals of Christmas at daveramsey.com and reveals today's deal. 

- Dave answers the Blinds.com question of the day. Jackie is in Baby Step 4. Should they feel obligated to help their kids with student loans? They regret leading them to go that route. 

- Andrew (Tulsa, OK) asks what his options are for offering medical insurance as an employer.

- Kathy (Raleigh-Durham, NC) is about to be hit with a tax bill after receiving funds from her husband's injury in the line of duty.

- Michael and Allison (Nashville, TN) do their debt-free scream from the lobby. They paid off $80,000 in 26 months.  

- Dave answers Dan's question from Twitter. What does Dave think of the new Amazon Go store where there's no checkout process? 

- Andrew (Indianapolis, IN) is struggling financially to the point of homelessness, owes more than $500,000, and is living on disability. Should he file bankruptcy?

 - Kaylyn (Dallas, TX) is a high school senior. How can she pay cash for college and start building wealth now? 


Media Files:
http://traffic.libsyn.com/daveramsey/12082016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8501: When Is it Okay to Live With the Parents?

Wed, 07 Dec 2016 21:21:35 +0000

Hour 3: Aired on Wednesday, December 7, 2016

- Suzanne (Monterrey, CA) is helping a friend through the holidays and wants to help long-term.

- Dave answers the Blinds.com question of the day. Alexa asks how Dave feels about owner-financed homes. 

- Dave talks about the book signing coming up at the office next Thursday (December 15th). 

- Kaylie (Minneapolis-St. Paul, MN) needs help with a purchase agreement on a house. 

- Trinya (Seattle, WA) gives her debt-free scream. She paid off $35,000 in 20 months. 

- Dave explains that living with your parents is only acceptable in short-term situations. 

- Dave shares the Scripture and quote of the day. 

- Eugene (Columbus, GA) was offered a survivor benefit plan as a military benefit. Is this a good idea?

- Emily (Little Rock, AR) needs help teaching her 3-year-old child about giving. 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12072016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8500: Stock Returns vs. Real Estate Returns

Wed, 07 Dec 2016 21:15:31 +0000

Hour 2: Aired on Wednesday, December 7, 2016

- Ben (St. Louis, MO) is cash flowing grad school. Should they put their 401(k)s on hold?

- Dave answers Benjamin's question from Twitter. Is it better to buy a cheap car or a car that is cheap to repair?

- Dave talks about the 12 Deals of Christmas and reveals today's deal. 

- Nathan (Phoenix, AZ) asks how to prepare for buying a house. 

- Tanya (Phoenix, AZ) is starting over at age 42. How does a single mom save for retirement on a low income?

- Dave answers Rob's question from Twitter. What sort of developer is Ramsey Solutions looking to hire?

- Dave answers Jorge's Twitter question. His investment professional is trying to sell him life insurance. What should the do?

- Robyn (Indianapolis, IN) does her debt-free scream from the lobby. She paid off $61,000 in four years. 

- Josh (Fort Myers, FL) is hanging on to 401(k) rollover checks. What should he do?

- Chris (San Antonio, TX) is on Baby Step 7. Should he take money out of mutual funds to buy a new house and make their current home a rental?

- Dave explains the difference between returns in stocks and returns in real estate. 


Media Files:
http://traffic.libsyn.com/daveramsey/12072016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8499: Chris Hogan Joins Dave to Talk Retirement

Wed, 07 Dec 2016 19:12:57 +0000

Hour 1: Aired on Wednesday, December 7, 2016

- Emma (Raleigh-Durham, NC) wants to get her husband on board in getting out of debt.

- Wayne and Stela (Huntsville, AL) do their debt-free scream. They paid off $200,000 in 64 months. 

- Anna (Albany, NY) works as a vendor for two companies who are having a landlord dispute and she knows things she probably shouldn't. 

- Chris Hogan joins Dave in the studio to talk about the latest Ramsey Research findings about the retirement crisis. 

- Dave and Chris talk about the Retire Inspired Podcast and the new episode that released today.

- Dave and Chris talk about investing. Chris tackles the question, "Is it too late to invest?"

- Dave and Chris talk about the EntreLeadership 1-Day events coming up in 2017.

- Ben (Los Angeles) asks if he should invest in an ESA (Educational Savings Account) or a 529 for their baby. 

- Chris (Denver, CO) wants to retire early. Should he invest money outside of a 401(k) so he can access it before the age 59.5?


Media Files:
http://traffic.libsyn.com/daveramsey/12072016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8498: Use Savings to Pay Off Debt?

Tue, 06 Dec 2016 21:00:38 +0000

Hour 3: Aired on Tuesday, December 6, 2016

- Chris (Terre Haute, IN) is considering going back to school and paying cash for it. They're in Baby Step 2.

- Cory (Oklahoma City, OK) asks if the employer match counts toward the 15% Dave recommends in Baby Step 4. 

- Dave answers the Blinds.com question of the day. Briana's budget is tight and she can't join in on all the holiday fun at work. How can she politely decline?

- Dave talks about the upcoming book signing event (Thursday, 12/15) at the Ramsey Solutions office.

- Jake (Boise, ID) asks if he should use savings to pay off debt. 

- Alex and Hannah (Nashville, TN) do their debt-free scream from the lobby (Alex is on the Ramsey Solutions team!). They paid off $50,000 in four years. 

- Dave explains our team is all-in on what we teach. 

- Dave shares the Scripture and quote of the day. 

- Dave answers Jude's question from Twitter. Which of Dave's books would he recommend to a college student in their senior year? 

- Dave answers Reed's question from Twitter. Can couches, computers and clothes add to his net worth?

- Dave answers Taylor's question from Twitter. What advice would Dave give a medical student with no debt? 

- Dave answers Sandy's question from Facebook. What are Dave's thoughts about transferring an IRA over to gold?

- Dave answers Sarah's question from Facebook. Can her husband add an extra insurance policy? 

- Steve (Annapolis, MD) asks how to approach Baby Steps 4, 5 and 6. Should they skip Baby Step 5 until they pay off the house?


Media Files:
http://traffic.libsyn.com/daveramsey/12062016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8497: Jami Paid Off $60K in 3 Months!

Tue, 06 Dec 2016 20:08:58 +0000

Hour 2: Aired on Tuesday, December 6, 2016

- Ted (Dayton, OH) is concerned they have too many funds. Should they invest in REITs (Real Estate Investment Trusts)?

- Rene (San Francisco, CA) feels he may need more life insurance. 

- Stephen (Atlanta, GA) is investing while in Baby Step 2. Should he stop?

- Marsha (Portland, OR) owns a rental property free and clear. Should they sell it to pay off their personal home?

- Phillip (Kansas City, MO) asks if they should pay off their mortgage and sell the house, or remodel and rent it out. 

- Jami (Seattle, WA) does her debt-free scream after paying off $60,000 in three months. 

- Scott (Spartanburg, SC) is a truck driver and doesn't live in a home. Should he be flipping houses?

- Andy (Halifax, Nova Scotia) asks what area of financial planning is behavior more important than the math. 

- Dave rants about investments and how the rate of return is dependent on you putting money in. 

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12062016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8496: Sarah Wins $15K in the Making Futures Bright Giveaway!

Tue, 06 Dec 2016 19:11:04 +0000

Hour 1: Aired on Tuesday, December 6, 2016

- Adam (Phoenix, AZ) is trying to convince his wife tithing is worth it. 

- Dave gives away $15,000 in cash to Sarah in Spokane for the Making Futures Bright $100,000 Giveaway!

- Kristen (Atlanta, GA) asks if they should keep their house as a rental. 

- Kathy (Detroit, MI) asks if she should stop taking her company's 401(k) match for now.

- Ankit (Raleigh-Durham, NC) isn't sure how much to invest. 

- Jennifer (Atlanta, GA) has money in savings, but doesn't know what to do with it while waiting to use it to pay cash for a house. 

- Mike (Bend, OR) is looking at term life insurance at age 69, but is it worth it? 

- Dave talks about the 12 Deals of Christmas at daveramsey.com and reveals today's deal. 

- Skyler (Boise, ID) asks if he should build up his HSA (Health Savings Account) instead of his Roth IRA. 

- Paul (Norman, OK) is paying extra on his mortgage. 

- Dave answers Kelsey's question from Facebook. What's Dave's opinion of online shopping?

 


Media Files:
http://traffic.libsyn.com/daveramsey/12062016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8495: 35 Credit Cards

Mon, 05 Dec 2016 21:45:53 +0000

Hour 3: Aired on Monday, December 5, 2016

- Jacob (Sacramento, CA) wants to know when it is okay to buy a new car.

- Tyler (Iowa City) wonders when he should pay off his business loans.

- Dave explains when you own a business, you don't have a "business debt." It's personal because you signed for it.

- Alex (New York) asks if he needs an umbrella liability insurance policy. Does it cover car wrecks?

- Paris (New Orleans) has a volatile income. Should she save more than $1,000 for her emergency fund before she pays off debts?

- Bret and Chelsea (Kalamazoo, MI) give their debt-free scream from the lobby. They paid off $114,418 in 22 months.

- Dave shares the Scripture and quote of the day. 

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

- Susan (New York) has 35 credit cards. How does she start paying down debt when she has trouble keeping up with the minimum payments?

- Patrick (Springfield, MO) has a bad annuity. How does he get out of it?


Media Files:
http://traffic.libsyn.com/daveramsey/12052016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




#8494: Should Ed Buy Two Lake Houses?

Mon, 05 Dec 2016 21:41:00 +0000

Hour 2: Aired on Monday, December 5, 2016

- James (Oklahoma City) asks how to find all his debt.

- Ed (Portland, ME) wonders if he should buy two lake houses.

- Joe (Jackson, TN) needs to know how to beef up his retirement.

- Josh (Houston, TX) is budgeting on a commission-based income.

- Shane and Nicole (Canton, OH) give their debt-free scream from the lobby. They paid off $40,000 in 18 months!

- Ben (Orlando, FL) asks if he and his wife should dissolve their LLC now that his wife is making less money with her side business.

- Dave announces a Ramsey Personality book signing event at the Ramsey Solutions offices on December 15.

- Dave invites listeners to tell their stories in the annual Giving Show on December 23.

- Alex (Chicago, IL) wonders if he should pay of his rental mortgages. 


Media Files:
http://traffic.libsyn.com/daveramsey/12052016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8493: The Right Financial Track

Mon, 05 Dec 2016 21:34:18 +0000

Hour 1: Aired on Monday, December 5, 2016

- Deanna (Ft. Benning, GA) is in her second bankruptcy and wonders how to get a foothold on her budget.

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

- Tammy (Colorado Springs) asks if she needs to sell her commercial real estate to pay off the house.

- David (Indianapolis) needs to know if he's on the right financial track.

- Dave answers the Blinds.com question of the day. Beth is graduating from high school and asks if she needs a credit score. Why or why not?

- Jonathan and Heather (Columbus, OH) give their debt-free scream. They paid off $88,000 in 16 months!

- Dave answers a question from Twitter. Tanner asks if there are PMI (private mortgage insurance) payments with a VA loan.

- Jarvis (New Orleans) is living in a duplex he owns and wants to keep it for an income. Should he pay it off before buying a personal residence?

- Jasmine (Tallahassee, FL) was offered three loans to refinance her home and asks which one she should take.

- Dave answers a question from Facebook. Christian asks if all mutual funds earn interest or just dividends.


Media Files:
http://traffic.libsyn.com/daveramsey/12052016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Fri, 02 Dec 2016 21:16:17 +0000

Hour 3: Aired on Friday, December 2, 2016

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

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

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

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

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

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

- Dave shares the Scripture and quote of the day.

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12022016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Fri, 02 Dec 2016 20:18:05 +0000

Hour 2: Aired on Friday, December 2, 2016

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

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

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

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

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

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

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

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

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

 


Media Files:
http://traffic.libsyn.com/daveramsey/12022016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8490: Ted Talks Business Sale Proceeds

Fri, 02 Dec 2016 19:27:59 +0000

Hour 1: Aired on Friday, December 2, 2016

- Chris Brown joins Dave in the studio. 

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

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

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

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

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

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

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

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

 

 


Media Files:
http://traffic.libsyn.com/daveramsey/12022016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8489: A Ray of Hope in Pittsburgh

Thu, 01 Dec 2016 21:11:57 +0000

Hour 3: Aired on Thursday, December 1, 2016

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

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

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

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

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

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

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

- Dave shares the Scripture and quote of the day. 

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12012016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Thu, 01 Dec 2016 21:08:00 +0000

Hour 2: Aired on Thursday, December 1, 2016

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

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12012016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8487: Atlanta Lanny and the Retirement Dilemma

Thu, 01 Dec 2016 19:36:22 +0000

Hour 1: Aired on Thursday, December 1, 2016

- Dave talks about his trip to New York.

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

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/12012016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Wed, 30 Nov 2016 20:18:06 +0000

Hour 3: Aired on Wednesday, November 30, 2016

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

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

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

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

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

- Dave shares the Scripture and quote of the day. 

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11302016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Wed, 30 Nov 2016 19:50:42 +0000

Hour 2: Aired on Wednesday, November 30, 2016

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11302016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8484: In-Studio Guest Max Lucado

Wed, 30 Nov 2016 19:32:33 +0000

Hour 1: Aired on Wednesday, November 30, 2016

- Ken Coleman and Chris Hogan take calls. 

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11302016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




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

Tue, 29 Nov 2016 21:44:20 +0000

Hour 3: Aired on Tuesday, November 29, 2016

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

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

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

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

- Dave shares the Scripture and quote of the day. 

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11292016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Tue, 29 Nov 2016 20:11:24 +0000

Hour 2: Aired on Tuesday, November 29, 2016

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

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

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

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

- Ken and Chris talk about the credit score myth.

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

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

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

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

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

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

 


Media Files:
http://traffic.libsyn.com/daveramsey/11292016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




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

Tue, 29 Nov 2016 19:32:15 +0000

Hour 1: Aired on Tuesday, November 29, 2016

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

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

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

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11292016_the_dave_ramsey_show_itunes_1.mp3?dest-id=300408




#8480: Should Brian Invest While Paying Off Debt?

Mon, 28 Nov 2016 21:10:41 +0000

Hour 3: Aired on Monday, November 28, 2016

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

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

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

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

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

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

- Dave shares the Scripture and quote of the day. 

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11282016_the_dave_ramsey_show_itunes_3.mp3?dest-id=300408




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

Mon, 28 Nov 2016 20:15:49 +0000

Hour 2: Aired on Monday, November 28, 2016

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11282016_the_dave_ramsey_show_itunes_2.mp3?dest-id=300408




#8478: Difference Between Wants and Needs

Mon, 28 Nov 2016 19:28:40 +0000

Hour 1: Aired on Monday, November 28, 2016

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

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

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

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

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

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

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

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

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

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


Media Files:
http://traffic.libsyn.com/daveramsey/11282016_the_dave_ramsey_show_itunes_1.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