The Ramsey Show

Nothing Destroys Your Finances Faster Than Broken Trust

Hosts George Camel and Jade Warshaw take live calls from listeners about debt, budgeting, car purchases, housing decisions, and complex family financial dynamics. Callers wrestle with issues like avoiding bankruptcy, lying about money in relationships, financial infidelity in marriage, and supporting parents in retirement. Throughout the episode, the hosts emphasize detailed budgeting, clear communication, and aligning financial decisions with long-term values and security.

Nov 28, 2025

Stop Letting Fear Drive Your Money

Ken Coleman and Jade Warshaw co‑host a caller-driven episode focused on getting control of money by facing fear, shame, and relational pressure around finances. Callers discuss massive consumer and business debts, student loans, divorce settlements, housing decisions, and family dynamics around borrowing and lending money. The hosts emphasize practical baby steps, strong boundaries, living below your means, and choosing long-term freedom over short-term comfort or appearances.

Nov 27, 2025

"We're in Way Over Our Heads With $1.5 Million in Debt"

Dave Ramsey and co-host Jade Warshaw take calls from listeners facing intense financial situations, from a young couple buried under $1.3 million in mostly business debt to people wrestling with car purchases, payday loans, and complex relationship money dynamics. They emphasize avoiding risky business and consumer debt, listening to internal red flags, setting firm boundaries when helping others, and aligning financial decisions with long-term goals and emotional health. The episode also covers topics like life insurance coverage, child support resentment, hiding wealth from a fiancée, grief after losing a sibling, and why 50-year mortgages are a dangerous political gimmick.

Nov 26, 2025

"My Husband Has Been Cheating On Me For 30 Years"

Rachel Cruze and Dr. John Deloney take live calls about marriage crises, debt, taxes, student loans, housing, retirement decisions, and career choices. Callers wrestle with issues like a 46-year marriage marred by decades of infidelity, large IRS bills, car and student loan debt, an inheritance weighed down by tax liens, and how much to give or save while paying off debt. Throughout the episode the hosts stress values-based decision-making, refusing to borrow, facing financial reality, and aligning money choices with identity, relationships, and long-term peace.

Nov 25, 2025

"My Financial Advisor Told Us To Take Out A HELOC For A Tax Write-Off"

Hosts Ken Coleman and Rachel Cruze take live calls about money decisions, including retirement planning, debt payoff, parenting and consequences, college and career choices, and running small businesses. They consistently discourage debt-based tactics like HELOCs for tax advantages or student loans for ministry school, and instead promote cash-flowing expenses, simplifying plans, and aligning financial choices with personal values. Throughout, they emphasize budgeting, communication in marriage, and making hard lifestyle changes to get and stay out of debt.

Nov 21, 2025

"I'm $147k In Debt And Only Make $1,500 A Month"

Hosts Rachel Cruze and Jade Warshaw take live caller questions about debt, budgeting, relationships, and major financial decisions, ranging from a struggling small business owner with six-figure debt to retirees managing multiple properties. They coach callers through practical next steps such as getting additional jobs, setting firm timelines, selling assets, communicating better in marriage, and avoiding debt for cars, housing, and education. The episode also features two debt-free screams including a truck driver who paid off over $63,000 in 11 months and a couple who became completely debt-free, including their house, after paying off $279,000 in under seven years.

Nov 20, 2025

Focused Intensity Is The Only Way To Make Financial Progress

This call-in episode of The Ramsey Show features listeners seeking guidance on issues ranging from getting out of consumer and student loan debt to navigating financial infidelity, divorce fallout, and complex family dynamics. George Kamel and Dr. John Delony emphasize focused intensity on a single financial goal, the debt snowball method, and clear relational boundaries while discouraging debt consolidation schemes and emotionally driven financial decisions. The conversations also explore how money intersects with trauma, parenting, adult children supporting parents, and succession planning in a family business.

Nov 19, 2025

You Can't Control the Past, But You CAN Control the Path Forward

This episode features a series of caller questions about debt, housing, business setbacks, medical crises, and difficult family and relationship dynamics, with the hosts offering practical, step-by-step financial guidance. Topics include tackling large private student loans, restructuring small business debt after a serious car accident, handling family conflict over unpaid damages, deciding whether to keep or sell a negative-cash-flow rental property, recognizing and leaving financially controlling relationships, and planning for retirement with limited time. The hosts emphasize focusing on the next right step, avoiding new debt, building margin, and choosing strategies that prioritize long-term stability and personal safety over short-term comfort.

Nov 18, 2025

You Still Have Time To Change Your Financial Situation

Hosts Ken Coleman and George Camel take calls from listeners about debt, relationships, business decisions, and rebuilding after crises. They walk callers through situations involving student loans, controlling partners, disability income limits, small business expansion, inheritance conflicts, and massive debt loads. The episode also features a debt-free scream from a couple who paid off over $200,000 and several discussions on how to prioritize insurance, retirement savings, and income growth.

Nov 17, 2025

He's Behind On His Bills and Wanting to File For Bankruptcy

Hosts George Kamel and Jade Warshaw take live calls from listeners about issues such as potential bankruptcy, overwhelming bills, housing decisions, student loans, marital money conflict, and handling a large financial windfall. They walk callers through practical next steps like budgeting, the debt snowball, right-sized housing and vehicles, aligning with spouses on money, and wise investing for retirement. The episode also includes a detailed critique of proposed 50-year mortgages and guidance for a recent widow on how to invest life insurance proceeds to support her income.

Nov 13, 2025

Follow a Proven Plan, Quit Making It Up As You Go

Hosts Jade Warshaw and Dr. John Delony take live calls about money and life decisions, focusing on debt payoff, budgeting, relationships, and long-term planning. Callers include young families struggling with daycare and car payments, near-retirees behind on investing, people navigating enabling family members, and listeners wrestling with combining finances, massive credit card debt, and post-divorce purposelessness. Throughout, they emphasize following a proven step-by-step financial plan, facing emotional and relational issues directly, and making short-term sacrifices for long-term stability.

Nov 11, 2025

Are You Willing To Trade Your Comfort Today For Peace Tomorrow?

Hosts Ken Coleman and Jade Warshaw take live calls about career and money decisions, debt payoff, housing, cars, healthcare costs, and complicated family and relationship dynamics around finances. They emphasize trading short-term comfort for long-term peace, prioritizing debt freedom over investing or lifestyle upgrades, and facing the emotional and relational roots of money problems. The episode also covers broader themes like the affordability crisis in America, spending addictions, and how to structure money in second marriages.

Nov 10, 2025

He's Still Living With His Ex's Parents and Needs a Way Out

Dave Ramsey and Rachel Cruze take calls on money, careers, housing, medical debt, and family dynamics while emphasizing personal responsibility, peace of mind, and avoiding financial entanglements that create stress. They interview generosity content creator Jimmy Darts about his "Undercover Kindness" book and how small acts of giving transform both givers and receivers, and talk with Ramsey Personality Jade Warshaw about the emotional side of money and her journey out of heavy debt. The episode also features a couple celebrating paying off their home and becoming completely debt-free.

Nov 7, 2025

She's 20 and Her Parents Want Her To Buy Them A House

Hosts George Campbell and Rachel Cruze take live calls from listeners navigating difficult money decisions that are tightly intertwined with family dynamics, relationships, and life transitions. Callers ask about everything from a 20-year-old pressured by her parents to buy them a nicer house, to high vehicle and student loan debt, to whether an aging parent should invest or stay in cash, and how to handle condos, weddings, and grad school. Throughout, the hosts stress boundaries, rapid debt payoff, clear communication in relationships, and prioritizing long-term financial stability over short-term comfort or people-pleasing.

Nov 6, 2025

A $60,000 Mistake Turned Into a Wake-Up Call

Hosts Ken Coleman and Jade Warshaw take live calls from listeners about money mistakes, debt, relationships, and big life transitions. They coach callers through issues like an unaffordable RV loan, restarting debt after paying it off, complex child support situations, side hustles that aren't profitable, and saving for a home in an expensive market. Throughout, Jade shares pieces of her and her husband Sam's journey paying off $500,000 of debt and emphasizes the emotional side of money-shame, fear, anger, and endurance-as critical to long-term financial change.

Nov 3, 2025

Lean Into Hard Things-That's Where Change Happens

This episode of The Ramsey Show features hosts John Deloney and Rachel Cruz taking live calls about the intersection of money, relationships, and life decisions. Callers wrestle with issues like finances in unmarried relationships, supporting struggling family members, investment choices, being upside down on vehicles, a spouse's gambling problem, housing decisions after a breakup, and whether to retire early with substantial wealth. Throughout, the hosts emphasize leaning into difficult conversations and choices-around marriage, boundaries, debt, and work-as the pathway to safety, peace, and long-term change.

Oct 31, 2025

Stop Chasing Payments and Choose Freedom

Rachel Cruze and Dr. John Deloney take live calls about personal finance decisions, focusing on getting out of debt, avoiding family entanglements with money, and choosing long‑term peace over short‑term comfort. Callers grapple with unaffordable car loans, oversized mortgages, backsliding after becoming debt‑free, how to ask for a raise, whether to file bankruptcy, and how to support kids through college without loans. The hosts emphasize personal responsibility, selling assets when necessary, clear boundaries with friends and partners, and following a step‑by‑step plan toward financial stability and freedom.

Oct 30, 2025

The Ramsey Show Live From Orlando

This live Ramsey Show event in Orlando features hosts taking questions from the audience on money, relationships, and life decisions while weaving in humor and interactive games. Callers and attendees discuss issues like overspending versus over-saving, boundaries with estranged parents, getting a disengaged spouse on board with finances, YOLO spending while in debt, shifting out of a poverty mindset, preparing for homeownership at 19, and combining money before marriage. The show closes with an in-room debt-free scream from Jessica, who paid off over $127,000 in five years largely on a modest income.

Oct 28, 2025

Normal Is Broke-Don't be Normal!

Hosts Rachel Cruze and Jade Warshaw take live calls from listeners about insurance, debt, car purchases, student loans, home buying, career changes, weddings, and family financial decisions. They contrast whole life and term life insurance, argue strongly against car loans and other consumer debt, and walk callers through the Ramsey Baby Steps framework. Throughout the episode they emphasize peace and freedom over mathematical optimization, encouraging listeners to live below their means, avoid debt, build emergency funds, and be honest with partners about money.

Oct 28, 2025

You Can Rebuild No Matter Where You Are

Hosts Jade Warshaw and George Kamel take live calls about money and life issues including parents overspending on gifts while in debt, job loss and career transitions, caring for aging relatives, and navigating debt as young adults. They also address marital disagreements over cars, career changes, and large inheritances, along with practical guidance on budgeting, housing decisions, tithing, and basic estate planning. Throughout, they stress boundaries, avoiding new debt, increasing income, and making unified, thoughtful decisions within families.

Oct 27, 2025

It's Time To Stop Surviving And Start Winning With Money

Hosts George Kamel and Jade Warshaw take live calls about handling money using the Ramsey "baby steps" framework. Callers navigate issues including divorce and business ownership, large RV and housing debts, career and income problems, retirement planning, insurance products, and moral questions around inheritances. The episode emphasizes staying out of debt, building emergency funds, investing wisely, and avoiding complex or risky financial products and decisions marketed as "opportunities."

Oct 24, 2025

Stop Letting Other People Wreck Your Finances

Rachel Cruze and George Kamel take calls from listeners dealing with financial stress that often stems from other people's decisions or expectations: predatory car loans, low church salaries, expensive houses, parental pressure, and in‑law demands. They walk callers through concrete next steps like selling cars, picking affordable colleges, setting boundaries with family, aligning spouses on money, and escaping financial abuse. The episode closes with a debt-free scream and guidance on what to do with an unexpected six‑figure bonus.

Oct 23, 2025

You Can't Outearn Your Stupidity

Hosts George Kamel and Rachel Cruze take live calls about money and life decisions, helping listeners navigate issues like credit card use, career changes, relationships, housing, and large debt burdens. They repeatedly reference the Ramsey "baby steps" and emphasize behavioral change, intense debt payoff, and value-driven decision-making over purely mathematical optimization. Callers include people wrestling with credit card rewards, whether to change careers, living with partners before marriage, college savings strategies, upside-down car loans, real estate decisions, massive student loan balances, and the financial fallout of divorce.

Oct 22, 2025

There Are No Shortcuts To Building Wealth

Hosts Jade Warshaw and Rachel Cruze take live calls about money, walking listeners through debt payoff, budgeting, insurance, investing, home buying, and family dynamics around finances. Callers share real situations ranging from heavy consumer debt and lifestyle creep to government shutdown income loss, declining business and music careers, and complex family generosity. Throughout, the hosts emphasize there are no shortcuts to building wealth: it requires clear plans, disciplined budgets, proper insurance, honest communication in relationships, and a willingness to make temporary sacrifices for long-term stability.

Oct 21, 2025

Your Financial Comeback Starts Today

Ken Coleman and George Kamel host a call-in episode focused on getting control of money through budgeting, increasing income, and making hard lifestyle choices to get out of debt. Callers wrestle with irregular income, large student loans, credit card debt, car and housing decisions, work-family balance, and how to handle financial entanglements with relatives or partners. Bear Grylls joins in-studio to discuss his faith and his new book retelling the life of Jesus as an action-filled narrative aimed at people who may never read the Bible.

Oct 20, 2025

Introduction: The Ramsey Show

A caller named Katie from Dallas, Texas shares that she is $27,000 in credit card debt and had only $10 left on payday, prompting urgent financial guidance. The hosts emphasize the need for radical behavioral change, intentionality, and discipline to escape the cycle of fear, debt payments, and living paycheck to paycheck. Throughout the segment, they frame their mission as giving listeners hope, learning, enlightenment, confidence, and a sense of power over their financial situation.

Oct 18, 2025

The Ramsey Show Live From Chicago

This live episode of The Ramsey Show is recorded in Chicago with hosts taking questions from the audience about money, relationships, and life transitions. Topics include setting financial boundaries with parents, resolving spender-saver conflicts in marriage, supporting low-income communities, navigating mid-journey Baby Steps, and finding meaningful work after a military career. The show ends with a collective debt-free scream and encouragement for attendees who are changing their family trees.

Oct 17, 2025

You Can Still Take Charge Of Your Financial Future

This episode features Dave Ramsey and co-host Ken Coleman taking live calls about debt, budgeting, family financial conflict, and long-term planning. Callers deal with issues like a father-in-law committing investment fraud using his son's Social Security number, overwhelming student loans from multiple degrees, questions about whether to sell or keep vehicles, handling co-signed car loans, HELOCs and housing decisions, late-in-life debt payoff, and whether to voluntarily repay discharged bankruptcy debts. The hosts emphasize boundaries, increased income, strict budgeting, and avoiding rationalizations for staying in debt.

Oct 17, 2025

You're Either Building Wealth or Losing It

Rachel Cruze and Jade Warshaw take live calls to coach listeners through real-world money problems including family property disputes, debt repayment, student loans, housing decisions, and insurance choices. They walk callers through Ramsey "baby steps", tackle emotional issues like enabling adult children and comparing lifestyles, and give practical next steps for people dealing with layoffs, divorce fallout, and overwhelmed single parents. Throughout, they emphasize taking responsibility, tightening budgets, and aligning financial decisions with long-term values and family goals.

Oct 16, 2025

Dumb Financial Decisions Stunt Your Financial Growth

Dave Ramsey and co-host George Campbell take live calls from listeners dealing with student loans, car debt, housing decisions, family conflicts, and major life transitions like divorce and marriage. They repeatedly emphasize staying out of debt, planning for worst‑case scenarios, aligning spouses on money, and making conservative financial choices that prioritize stability and freedom over short‑term desires.

Oct 15, 2025

You Won't Win With Money by Accident

This episode features a series of caller-driven money questions ranging from predatory HVAC leases, paying a parent's property taxes, and first-time homebuying costs to dream college tuition, secret marital debt, and large inheritance planning. The hosts walk callers through concrete next steps like where each debt belongs in the Baby Steps, how to prioritize insurance and cash when expecting twins, and how to structure wills and trusts in high‑net‑worth families. The show also highlights long, difficult journeys to becoming debt‑free and underscores that winning with money requires intentionality, boundaries, and perseverance, not wishful thinking.

Oct 14, 2025

Your Financial Chaos Ends Today

Hosts George Campbell and Dr. John Deloney take live calls from listeners navigating complex financial and relational situations, from family members stealing student loans to deciding whether to finance cars, sell rental properties, or downsize homes. They emphasize paying cash, prioritizing peace over complicated financial arbitrage, facing hard family conversations, and putting basic needs first during crises like job loss, medical emergencies, and government shutdowns. Several callers share intense life transitions, including divorce, small-business struggles, and the sudden death of a spouse, and receive step-by-step guidance on stabilizing their finances and planning the next chapter.

Oct 13, 2025

You Can Stay Broke Or Start Changing

This episode of The Ramsey Show features hosts Dr. John Delony and Jade Warshaw taking live calls about money decisions intertwined with relationships, housing, and long-term goals. Callers wrestle with issues like manipulative parents offering large cash gifts, retirees drowning in credit card debt with an unaffordable house, planning for adoption or surrogacy, and how to buy cars or renovate homes without sabotaging financial peace. Throughout, the hosts emphasize setting boundaries, avoiding debt, prioritizing safety and peace over arbitrage schemes, and following the Baby Steps framework for budgeting, debt payoff, and investing.

Oct 10, 2025

A Written Plan Will Always Keep You On Track

Ken Coleman and George Camel take calls from listeners about debt, budgeting, housing decisions, retirement timing, and large financial transitions. They walk callers through practical next steps for dealing with collections and IRS debt, deciding how much to spend on vehicles, resolving budgeting conflicts in marriage, refinancing mortgages, managing multiple jobs, and evaluating early retirement and inheritance decisions. Throughout, they emphasize written budgets, living on less than you make, avoiding unnecessary risk, and aligning money choices with long‑term life goals.

Oct 9, 2025

You'll Never Prosper When You're Tied Down With Payments

This episode of The Ramsey Show features multiple callers seeking guidance on job loss, housing decisions, debt payoff, retirement investing, elder financial protection, and career transitions. Dave Ramsey and George Campbell coach listeners through situations including a sudden firing in construction, living on a tight single income while hoping to buy a home, using a large brokerage account to pay off debts, and handling dementia-related financial chaos for an aging parent. The hour also highlights powerful debt-free stories illustrating the impact of aggressive budgeting, side hustles, and shared spousal commitment to a plan.

Oct 7, 2025

If You Want To Do Great Things You Need To Do Hard Things First

Hosts Ken Coleman and Jade Warshaw take live calls from listeners about debt, cars, housing, divorce settlements, bankruptcy fears, fertility costs, and boundaries around lending to friends. They repeatedly bring callers back to the Ramsey Baby Steps, emphasizing selling expensive vehicles, boosting income, avoiding bankruptcy, and making hard short‑term sacrifices to create long‑term freedom. Throughout the episode they tie financial decisions to mindset, personal responsibility, and the willingness to do hard things first in order to achieve significant results.

Oct 6, 2025

Make Sacrifices Today To Achieve Your Financial Goals

Dave Ramsey and co-host Rachel Cruze take calls from listeners facing a range of financial situations, including single parents struggling to balance childcare costs and debt, young couples planning for marriage and homeownership, and families wrestling with taxes and oversized car loans. They emphasize sacrificing now to gain margin, increasing income, getting out of debt quickly, and working together as couples on shared goals. Throughout the episode they walk callers through concrete next steps, from negotiating with the IRS and credit card companies to structuring savings, investing, and teaching kids about money.

Oct 3, 2025

Stop Trying To Borrow Your Way Into Freedom

Host Dave Ramsey and co-host Rachel Cruz take live calls from listeners about real-world money decisions, emphasizing living on less than you make and avoiding debt. Callers ask about using business credit cards for rewards, oversized mortgages, car loans, student loans, home renovations, retirement withdrawals for a lake property, luxury purchases, and family conflicts over parent PLUS loans. The hosts consistently steer people away from borrowing, urge them to make mathematically sound choices, and highlight how character, communication, and boundaries in relationships intersect with money.

Sep 26, 2025

Don't Quit When the Journey Gets Hard

Dave Ramsey and Dr. John Deloney take live calls about money, relationships, and life decisions, helping listeners navigate complex family financial dynamics, marriage conflicts, debt payoff, and housing choices. Callers ask about parents borrowing from children, financial infidelity in a new marriage, a veteran trapped in an unsustainable VA jumbo mortgage, and how to handle inheritance after elder financial abuse. The hosts emphasize integrity, unified decision-making in marriage, avoiding new debt, using community and church support, and focusing on long-term financial freedom over short-term fixes.

Sep 25, 2025

Are You Investing in Tomorrow or Robbing It?

This episode features Dave Ramsey and co-host Ken Coleman taking live calls about real-world financial decisions, from handling debt and housing choices to navigating career changes and family dynamics. Callers wrestle with issues like credit card use in marriage, whether to use windfalls to pay off debt or buy homes, job loss and underemployment late in life, enabling adult children, and how to balance generosity and enjoyment when wealthy. Throughout, Dave and Ken emphasize shared vision, personal responsibility, ethical choices, and prioritizing debt freedom and long-term stability over short-term comfort.

Sep 24, 2025

Hope Always Lives on the Other Side of Hurt

Ken Coleman and George Camel take live calls from listeners facing a wide range of financial and emotional challenges, from catastrophic investment scams and oversized mortgages to student loans, car debt, retirement fears, and business decisions. Throughout the episode they apply the Ramsey Baby Steps, emphasize living on a budget, avoiding debt, and prioritizing long-term peace over short‑term comfort, while also acknowledging the emotional weight of grief, shame, mental health struggles, and family dynamics that intersect with money decisions.

Sep 22, 2025

Do the Right Thing Even When It's Hard

Hosts Rachel Cruze and Dr. John Deloney take live calls about complex money and relationship decisions, from inheritance conflicts and potential divorce to overwhelming debt and family housing arrangements. Throughout the episode they emphasize integrity, shared values in marriage, clear boundaries with family, and choosing disciplined financial action even when it's emotionally difficult.

Sep 19, 2025