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.
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.
"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.
654. Is the Public Ready for Private Equity?
The episode examines the push to open private equity and other private markets to retail investors, especially through 401(k) plans, following a Trump administration executive order. Law professor Elizabeth DeFontenay and economist Steve Kaplan explain how private equity works, its historical outperformance versus public markets, and why that outperformance has likely diminished as the asset class has matured and become crowded. They warn that high fees, opaque pricing, illiquidity, and second-tier access mean that ordinary investors are unlikely to benefit from this shift, and that expanding retail exposure could change private markets themselves and increase systemic risks.
"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.
"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.
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.
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.
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.
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.
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.
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.
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.
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."
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.
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.
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.
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.
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.
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.
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.
#830: Nick Kokonas and Richard Thaler, Nobel Prize Laureate - Realistic Economics, Avoiding The Winner's Curse, Using Temptation Bundling, and Going Against the Establishment
Tim Ferriss, Richard H. Thaler, and Nick Kokonas discuss how traditional economics models people as perfectly rational, selfish agents and why that vision breaks down when confronted with real human behavior. Thaler traces the origins of behavioral economics through stories and experiments on loss aversion, fairness, mental accounting, and self-control, showing how these insights improve predictions and policy in areas like retirement savings, pricing, and investing. They also explore the winner's curse in auctions and sports drafts, the power of nudges and temptation bundling, and Thaler's collaborations with Daniel Kahneman and Amos Tversky, including a candid conversation about Kahneman's decision to end his life through assisted dying.
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.
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.
Financial Expert: Passive Income Is A Scam! Post-Traumatic Broke Syndrome Is Controlling Millions!
Stephen and Morgan Housel discuss why most financial advice focuses on saving and investing while almost nothing is said about how to spend money in a way that actually improves life. Morgan explains the psychology behind spending, status, envy, trauma around money, and argues that true wealth is more about independence and contentment than income or possessions. They also challenge the myth of passive income, explore inequality and social media's impact on expectations, and examine how to minimize future regret through clearer values and better decisions.
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.
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.
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.
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.
The Best Financial Advice You'll Ever Hear
Mel Robbins interviews financial author Morgan Housel about why financial success is primarily about behavior, expectations, and patience rather than income, education, or math. They explore how comparison, moving goalposts, and status-driven spending keep people broke, and contrast that with using money as a tool for independence and contentment. Housel lays out simple, practical habits-like checking your accounts daily, saving something every time you're paid, and investing patiently-that anyone can adopt regardless of starting point.