A Proven Plan Beats A Quick Fix Every Time

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 27 August 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

🎟️ ⁠⁠⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠⁠⁠ Dave Ramsey and George Kamel answer your questions and discuss: "How much should I invest vs. put into savings?" "Should I sell my house to pay off debt?" "I've gambled away $50k in the last two months" "I'm $20k underwater on my car. What should I do?" "How do I tackle $200k in student loans?" "Should I borrow from my 401(k) to pay off high-interest debt?" "Am I being too intense paying off my house?" "How do we use disability income wisely?" "How do teachers become millionaires on a teacher’s salary?" "Is it financially time to consider rehoming our dogs?" "How do I talk to my wife about combining our finances?" "Should I lease a vehicle from my employer or buy my own?" Next Steps: ✔️⁠⁠⁠ ⁠Help us make the show better. Please take 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!⁠⁠⁠ 📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠ ⛰️ ⁠⁠⁠Find out your Baby Step and get a plan for your money. ⁠⁠ 📚 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠ 🤔 ⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out⁠⁠⁠⁠ 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! Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠. Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠. Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more. For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠. Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠. 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 ⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0	Brought to you by the Every Dollar App. Start budgeting for free today.
0:18.2	From the headquarters of Ramsey Solutions, it's the Ramsey Show,
0:24.5	where we help people build wealth, do work that they love,
0:30.5	and create actual amazing relationships.
0:34.5	George Camel, number one bestselling author,
0:36.7	host of the George Camel show,
0:38.0	a big hit on Ramsey Network YouTube. Be sure and check him out. He's my co-host,
0:43.8	AAA 8255-225, is the number here. Laurie is in Oregon. Hi, Lori. How are you?
0:51.3	I am doing very well. Thank you, and thank you for taking my call.
0:55.3	Sure. What's up?
0:57.2	Well, question. My husband's 71 and he owns his own business and still working and he probably always will.
1:07.7	I'm 69 and I retired about four years ago after 30 years with a local government agency
1:15.4	and I receive a small pension and social security. We have about 500K in savings, which would be
1:26.9	CDs and high interest, just savings accounts. And we have about
1:32.5	700K in our retirement funds. And we own our own home, which is worth about 400K. Way to go.
1:43.4	Thank you. Look at you retiring a millionaire. I am so proud of both of us.
1:50.5	You did really well. I assume you started with nothing and you did not inherit this.
1:55.5	That's correct. Good for you. I only had come across you in the last year, but the amazing thing was I grew up mostly
2:05.6	with my grandma, who had exactly the same advice as you.
2:10.2	So I followed her advice and found that you gave the same exact advice.
2:15.3	Gods and Grandma's ways of handling money.
2:17.6	It's called common sense.
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.