Don't Let Debt Steal Your Future

The Ramsey Show

Ramsey Network

Investing, Education, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 6 April 2026

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:07.1	Start budgeting for free today.
0:13.0	Normal is broke and common sense is weird, so we're here to help you transform your life.
0:19.8	From the Ramsey Network and the Fair Winds Credit Union Studios, this is The Ramsey Show.
0:25.1	I'm Dave Ramsey, Dr. John Deloney, number one bestselling author, host of the Dr. John
0:29.2	Deloney Show, and Ramsey Personality.
0:31.4	He's my co-host today.
0:33.2	Jenny is with us in Orlando.
0:35.0	Hi, Jenny, what's up?
0:37.1	Hello, guys. I'm just kind of tired of this
0:40.1	financial dynamic that I have with my spouse for context. We've been together 15 years,
0:46.2	we're almost 40, and I'm the breadwinner. I make about 170,000 a year, and he makes 65.
0:54.0	I'm more so now getting passionate about not carrying debt, making smart choices,
0:59.1	and possibly buying a business.
1:01.2	But I can't seem to change his mind about these balance transfers and buy now, pay
1:07.1	later programs.
1:09.4	So I'm just trying to figure out how to navigate that dynamic with someone
1:13.5	that use money so differently. And I typically am the one to rescue. And at what point do I stop
1:20.3	rescuing from these, what I consider to be very poor long-term financial choices.
1:26.1	Does he have a seat at the table with you?
1:29.0	He does. We talk about finances every single month, and I express kind of my displeasure about
1:34.8	these things, and it's always the same thing. It's zero percent interest for 18 months, and
	...

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