Don’t Let Your Present Circumstances Define Your Future

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 4 December 2024

⏱️ 83 minutes

🔗️ Recording | iTunes | RSS

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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 & Ken Coleman answer your questions and discuss: "How do I learn to manage money?" "My abusive ex took loans out in my name," "Should I be ashamed for living in a motor home?" "How do I help a friend with their extreme debt?" "Can I afford a $80K Tesla?" Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp ◎ Get 10% off Byrna product bundles and more! 🏥 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 💤 Visit Helix Sleep for special offers! 🗂️ 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! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🛒 Shop weeklong Cyber Monday deals starting at $10! 🏠 Get organized and prepared to buy or sell a home. 💵 Start your free budget today. Download the EveryDollar app! 🎁 Cyber Monday Extended Deals as low as $8 🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today! Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0	Hey, you guys, Cyber Monday deals are here.
0:02.9	So shop meaningful Christmas gifts that won't bust your budget right now at ramsysolutions.com slash store.
0:10.1	Thank you. 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.
0:40.7	Ken Coleman-Ramsi personality, number one bestselling author and host of the Ken Coleman Show is my co-host today.
0:47.7	Open phones at AAA 825-5-225.
0:52.5	You jump in.
0:53.3	We'll talk.
0:57.6	Adeline is with us in Youngstown, Ohio. Hi, Adeline, how are you?
1:06.8	Hi, I'm doing good. Good. What's up? Thank you. So I'm a 21-year-old girl. I'm not planning to go to college anytime here soon, and I recently started getting all my money my dad would get my money before
1:15.1	because you know take care of expenses and stuff and I thought I knew how to manage money pretty good
1:21.3	but turns out I don't so basically my question is what should I as a 21 year old be doing to build wealth at this point?
1:31.2	I have about $6,000 saved and yeah.
1:35.5	And you're working?
1:36.7	I have a car.
1:38.3	Yes, I work four days a week, 15 hour a day job.
1:45.1	Mm-hmm.
1:45.5	What do you do?
1:47.7	I work for my brother at his Apple Orchard.
1:51.1	Mm-hmm.
1:51.9	So what do you make?
1:55.0	Yeah, $15 an hour.
1:58.6	It's not steady income.
	...

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