Budgeting Leads You out of Debt & Into Wealth

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 29 April 2025

⏱️ 88 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

📈 ⁠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 Rachel Cruze answer your questions and discuss: "My boyfriend doesn't want to work. Is this a dealbreaker?" "Should I take out a loan to start a business?" "When can I start enjoying my retirement nest egg?" "Is my mom responsible for my dad's credit card debt?" "I have buyer's remorse after buying a classic car. Should I sell it?" "Should we sell our house and move in with my in-laws to pay off debt?" "I'm about to receive a $400k inheritance. How do I invest it?" "Can we use our investments to help our children or wait until they inherit it?" 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.⁠ ✏️ ⁠Enter the Teacher Appreciation Giveaway⁠💵 ⁠Start your free budget today. Download the EveryDollar app! 🏘️ ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠ 🎟️ ⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠ 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 💵 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 ⁠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	Hey guys, Dave Ramsey here.
0:01.4	Me and Dr. John Deloney are coming to a city near you on the Money and Relationships Tour.
0:06.5	It's happening soon.
0:07.9	So don't wait.
0:09.0	Get your tickets at Ramsey Solutions.com slash tour.
0:18.8	Brought to you by the Every Dollar app.
0:21.1	Start budgeting for free today.
0:33.3	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.
0:48.1	I'm Dave Ramsey, your host, Rachel Cruz, Ramsey personality, number one bestselling author, host of the Rachel Cruz show and co-host
0:54.7	a smart money happy hour on the Ramsey networks. And my daughter, she's my co-host today.
0:59.6	Open phones here at AAA 8255-225. Before we dive into the callers, I've got to do a correction
1:07.2	that I screwed up on. I do this ever so often. I've been doing talk radio 15 hours a week
1:13.7	and podcast type stuff for, yeah, 34 years now. And so you can add up that number of hours. And in that
1:23.3	number of hours, I have done some stupid butt stuff in my life, but you can't take it back.
1:28.8	It goes over the airwaves.
1:29.7	It's gone.
1:30.2	This was not on this show.
1:31.6	My friend Sean Ryan has one of the top podcasts in the world, and I is here in our community,
1:37.1	and it was nice enough to have me as a guest on.
1:39.1	And we did a long form interview there.
1:40.9	I think it's like three hours and 43 minutes, which is more Dave than anybody
1:44.7	should get, but you can get it if you want to. Go listen to Jean Ryan. And it was very popular. We've had,
	...

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.