Discipline Matters Most in the Hard Times

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 29 August 2025

⏱️ 129 minutes

🔗️ Recording | iTunes | RSS

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Summary

🎟️ ⁠The Ramsey Show Live Tour: Tell us where we should go next!⁠ Dave Ramsey and Rachel Cruze answer your questions and discuss: "How can I leave my husband when I have no job or savings of my own?" "We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?" "Can we afford to slow down paying off debt to be present with our kids?" "How can I best use the inheritance I just received?" "My husband just told me we are $60,000 in debt. How do we go about this wisely?" "My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?" "I just got fired, should I file for bankruptcy or consider a debt relief program?" "How do I get my husband to take the plunge and buy us a house?" "Is a budget set in stone or can it be revised once it's in play?" "Should I lower my retirement contribution in order to pay off my house faster?" "How do I help my mom who has $200,000 in debt and nothing saved for retirement?" 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! ⁠ 💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠ 📚 ⁠⁠⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠⁠⁠ ⛰️ ⁠⁠Find out your Baby Step and get a plan for your money. ⁠ 🤔 ⁠⁠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

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0:00.0	brought to you by the every dollar app start budgeting for free today from the
0:12.0	headquarters of ramsie solutions it's the ramsie show where we help people build wealth do work
0:19.5	that they love and create actual amazing relationships.
0:24.0	Rachel Cruz, Ramsey Personality, number one bestselling author, co-host of the Ramsey Network hit.
0:30.4	Smart Money Happy on.
0:31.6	And my daughter, she's my co-host today.
0:33.6	Open phones at AAA 825-5-225.
0:37.8	Stella is in Arizona.
0:39.9	Hi, Stella.
0:42.6	Hello.
0:44.1	How can we help today?
0:47.4	Well, a big question that I have, what recommendations do you have to increase your income while being a
0:58.4	home school parent?
1:02.3	How do you increase your income while being a homeschool parent?
1:07.1	Oh, let me elaborate a little bit.
1:19.3	Well, my situation with my husband is not that good, and I plan to eventually file for divorce once this homeschool year finishes.
1:26.7	So for now, since I'm a full-time home school
1:30.2	parent, I don't have any work right now. So I was wondering what kind of kids.
1:40.0	So you're talking about in May, that's the end of the homeschool year?
1:45.8	Yes, correct.
1:46.8	And how many children do you have, huh?
1:50.4	I have two children.
	...

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