Big Debt Requires Bigger Discipline

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 9 July 2025

⏱️ 126 minutes

🔗️ Recording | iTunes | RSS

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Summary

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠ Dave Ramsey and George Kamel answer your questions and discuss: "How do I navigate refusing a large monetary gift from family due to cultural expectations?" "I'm about to take on $200,000 of student loans, how do I begin to pay this off?" "Dave, have you gone soft on Crypto?" "I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan" "How do I support my household on my own when my husband doesn't work?" "Should I take the buyout or the monthly payments for my pension?" "How do I ask my boss for a raise?" "Should I take out a HELOC for home repairs?" "Should I re-enter the workforce if it means that I will be away from my friends and family more?" "Is it okay to not buy a home for a couple of years while living in a foreign country?" "My husband says I'm financially abusive, is he right?" "Can I go on vacation while I am saving for a house?" "How do I improve my credit score so I can get balance transfer credit cards?" 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.⁠⁠⁠⁠⁠ 📱 Get episodes early in the free Ramsey Network app! 📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ ❤️‍🩹 Get trusted insurance coverage that fits your budget. ⁠⁠⁠⁠📖 Your Total Money Makeover starts here. 💵⁠⁠⁠⁠ ⁠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! 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

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:15.2	Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships.
0:29.4	I'm Dave Ramsey, your host, George Camel, Ramsey personality, number one bestselling author, host of the George Camel show, and co-host of Smart Money Happy Hour.
0:37.2	He does a lot. He's also co-host of Smart Money Happy Hour. He does a lot.
0:38.3	He's also co-hosting for me today.
0:40.7	Open phones here at AAA 825-5-225.
0:44.7	Amy is in San Francisco.
0:46.5	Hi, Amy.
0:46.9	How are you?
0:48.6	Hi, I'm Dana.
0:49.7	How are you?
0:50.4	Better than I deserve.
0:51.5	What's up?
0:53.5	Okay, so my husband and I recently just got married,
0:58.1	and my grandma and aunt couldn't be at the wedding, but they want to send us a large monetary gift.
1:06.9	But my husband and I, we both agree that we don't want to receive that gift.
1:13.5	However, my mom says it's disrespectful to not take it because it's like a cultural tradition.
1:18.8	And so she went ahead and talked to my grandma.
1:22.6	And basically she told my grandma that she'll take the money.
1:27.2	Like my grandma can just
1:28.0	transfer to her and then she'll transfer it to me I'm sorry I'm sorry we don't have any
1:33.2	cultural traditions at our house that we're that we get money from a wrench aunt so
	...

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