📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 💵 Start your free budget today. Download the EveryDollar app! - https://ter.li/ttpjvq  🏘️ Get Organized and Prepared to Buy or Sell a Home - https://ter.li/7vm07f  📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Listen to more from Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 💵 Start your free budget today. Download the EveryDollar app! - https://ter.li/ttpjvq  🏘️ Get Organized and Prepared to Buy or Sell a Home - https://ter.li/7vm07f  📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Listen to more from Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and John Delony answer your questions and discuss: "How do I teach an 18-year-old to budget when they are surrounded by wealth?" "I was the beneficiary of a life insurance payout. My family is now telling me I have to share" "How do I pay off an engagement ring that I bought with a credit card?" "My wife consistently overdrafts her bank account. How do I deal with this?" "Should I prioritize building my emergency fund over retirement savings and paying off my home?". Next Steps: ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.  💵 Start your free budget today. Download the EveryDollar app! 💼 EntreLeadership Summit: The Best Leadership Conference of 2025 🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today 🛒 Get your copy of Build a Business You Love today 🏘️ Find a Ramsey Trusted Real Estate Agent Connect with our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 💵 Start your free budget today. Download the EveryDollar app! - https://ter.li/ttpjvq  🏘️ Get Organized and Prepared to Buy or Sell a Home - https://ter.li/7vm07f  📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Listen to more from Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 💵 Start your free budget today. Download the EveryDollar app! - https://ter.li/ttpjvq  🏘️ Get Organized and Prepared to Buy or Sell a Home - https://ter.li/7vm07f  📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Listen to more from Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "A company wants to use my land for a solar farm. What questions should I be asking them?" "Should we pay off my girlfriend's student loans or my mortgage first?" "Is it necessary to at some point get a credit card? My mom says it is, but I want to think otherwise," "I'm trying to follow the Baby Steps and it's not working. What am I doing wrong?" "My wife feels like our budget is too restrictive. How do we figure out how much fun money to have?" "I have a high income but a lot of debt. Should I pay off commercial debt or personal debt first?" Next Steps: ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.  🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today 🛒 Get your copy of Build a Business You Love today! 💵 Start your free budget today. Download the EveryDollar app! Connect with our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 💵 Start your free budget today. Download the EveryDollar app! - https://ter.li/ttpjvq  🏘️ Get Organized and Prepared to Buy or Sell a Home - https://ter.li/7vm07f  📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Listen to more from Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews, and more! Next Steps 💵 Start your free budget today. Download the EveryDollar app! - https://ter.li/ttpjvq  🏘️ Get Organized and Prepared to Buy or Sell a Home - https://ter.li/7vm07f  📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Listen to more from Ramsey Network 🎙️ The Ramsey Show  🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and George Kamel answer your questions and discuss: "Should I settle with the creditor who sold my repossessed car?" "How do I get out of my real estate investments?" "When can we spend money on a vacation?" "I'm 25 years old and $165,000 in debt," "I'm 64 with no retirement and I owe the IRS $70k," "Why do houses go up in value while cars go down?" Next Steps: ✅ Help us make the show better by taking this short survey! 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.  🛒 Get your copy of Build a Business You Love today 💵 Start your free budget today. Download the EveryDollar app! 🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today 💰 File your taxes with 100% accurate software that’s 20% of the price Connect with our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off your first month of BetterHelp 📱Go to Boost Mobile to switch today! 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. Visit megaphone.fm/adchoices