Discipline Today Can Rewrite Your Financial Future

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 17 February 2026

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 ⁠⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan.⁠⁠⁠⁠ Jade Warshaw and Rachel Cruze answer your questions and discuss: "We can't afford a lawyer to help after being served on a $37k loan" "How do I convince my daughter to let me manage my finances again?" "We disagree on how much to put down on a home" "Is it bad that I'm only invested in CDs?" "Should I sell the homes I bought for my children?" 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!⁠⁠⁠⁠⁠⁠⁠⁠ 💻 ⁠Need help with your taxes? See who we trust.⁠ 🚢 Set sail with Dave Ramsey. Book your cabin today. Connect With Our Sponsors: Get 10% off your first month of ⁠⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠⁠ Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today! Go to⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off 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! Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠ 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 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.
0:12.3	Normal is broke and common sense is weird, so we're here to help you transform your life.
0:17.2	From the Ramsey Network and the Fair One's Credit Union Studio, this is the Ramsey Show.
0:21.3	I'm Jade Warshaw next to me, Rachel Cruz, taking calls about your life and your money for the next couple hours.
0:27.3	So if you want to, you can get involved by calling AAA 8255.225.
0:30.9	In the meantime, go to the phone lines where we have Lisa, who's in Cincinnati, Ohio.
0:35.9	Hey, Lisa.
0:36.9	Hi, thank you all so much for taking my question.
0:42.0	So we have been served papers on an old debt that we now are having to either go to court and fight it or settle.
0:56.0	And so we don't have the money for a lawyer.
0:59.0	So we've been using chat AI to kind of guide us through.
1:03.0	And so far it's worked, like, you know, we've been able to prolong it a little bit.
1:10.0	So, but now, you know, I need guidance.
1:13.6	I need real guidance on what to do and where to go.
1:16.7	How long ago was this?
1:22.3	I'm sorry.
1:25.5	It's okay.
1:26.1	No, it's okay.
1:32.3	Okay. I'm sorry. It's okay. Take a deep breath. I'm so sorry.
1:33.3	That's okay.
1:34.3	I'm sorry.
1:35.3	I'm just nervous and then it's just very emotional.
	...

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