Debt Always Comes With Strings Attached

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 9 September 2025

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

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Summary

🤔 ⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠ Dave Ramsey and Rachel Cruze answer your questions and discuss: "What should I do with $100,000 I have sitting in my account?" "My husband doesn't think I should spend money since I'm a stay-at-home mom..." "I am $2.5 million in debt. Should I pay it down if it's low interest?" "I feel guilty moving out if it puts my sisters in a bind financially..." "Can we afford a $200,000 bus to travel in retirement?" "My ex-fiancée stopped paying on her car that I cosigned on..." "Should I liquidate my cryptocurrency to pay off my debt?" "Our financial advisor is telling us to buy a multi-family property, is this a good real estate investment?" "How do we split up the expenses for our wedding without combining money?" 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.⁠⁠⁠⁠⁠ 💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🛡️ ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠⁠ 🎟️ ⁠⁠⁠⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠⁠⁠ 📚 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠ 👫 ⁠Check out our free Term Life Insurance Guide for helpful info and resources.⁠ 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.
0:10.8	Normal is broke, and common sense is weird. So we're here to help you transform your life.
0:17.8	From the Ramsey Network in the Fair Winds Credit Union Studio.
0:21.6	This is the Ramsey Show.
0:23.6	I'm Dave Ramsey, your host.
0:24.7	The phone number is AAA 825-5-225.
0:28.6	The call is free, and some say the advice is worth exactly what you pay for it.
0:33.2	Rachel Cruz, Ramsey Personality, number one, best-selling author,
0:36.5	and my daughter is my co-host today.
0:39.5	David is in New Orleans.
0:40.7	Hi, David.
0:41.1	How are you?
0:42.7	I'm good.
0:43.1	How are you today?
0:43.9	Better than I deserve.
0:45.1	What's up?
0:46.7	So I have about $100,000 to $110,000 extra that I just don't know how to invest.
0:53.2	I'm at the moment.
0:55.7	I'm not sure whether put it towards my house to pay off mortgage or to invest in like a money market fund or like a high
1:02.6	yield savings account. I'm not sure what to do with it. Good for you. Where'd you get it?
1:07.6	Just saving. My wife and I are very, very frugal. Well, way to go, man. Congratulations.
1:13.6	So we teach a process to become wealthy.
	...

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