snowball method

8 episodes about this topic

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 Business

"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 Business

How a $200 Doorbell Became a $4B Business

The hosts interview Ring founder Jamie Sibanoff about building the smart doorbell company, navigating a near-fatal lawsuit with ADT during acquisition negotiations, and ultimately selling to Amazon for $1.15 billion. Jamie explains his problem-first invention philosophy, hiring and leadership approach, and why he sees Ring as a mission-driven company focused on making neighborhoods safer. He also describes his 'snowball' method for developing ideas, his obsession with solving the global bug problem, and his long-term project revitalizing the small town of LaBelle, Missouri.

Nov 24, 2025 Business

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 Business

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 Business

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 Business

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 Business

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 Business