Don’t Overcomplicate Building Wealth, Keep It Simple

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 6 December 2024

⏱️ 84 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

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. George Kamel & Dr. John Delony answer your questions and discuss: "How do I budget an inconsistent income?" "How do I get my family on board with a budget?" Are you Broke, Average, or Wealthy? "Should I transfer my credit card balance to a HELOC?" "How do we get money back from a friend" "Drop out of college to take a Bitcoin mining job?" 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! 🏠 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 Ramsey Network, this is The Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships.
0:34.0	I'm Ramsey Personality, George Camel, joined by my good friend, Dr. John Deloney.
0:38.1	We're taking your calls at AAA 825-5-225.
0:42.0	You call us.
0:43.0	We'll try to help you take the right next step for your life, your relationships, and your money.
0:48.4	Lucas is going to kick us off in Grand Junction, Colorado.
0:51.4	What's going on, Lucas?
0:53.6	Hey, how are you guys? Doing well. How are you? How can we help?
0:56.9	Good. I'm trying to sit down and go through a budget and start making a monthly plan.
1:01.5	My wife and I have both gone through Financial Peace University together. My income has changed since we've done that.
1:06.6	I get paid basically daily. So how do I kind of set up my monthly budget for something like that?
1:13.1	Because my budget or my income is very, it fluctuates a lot from summertime to wintertime.
1:18.5	So how do I set up a budget for something like that?
1:21.6	What do you do that you get paid daily?
1:24.2	Are you slinging rocks?
1:26.5	I'm a ferrier.
1:31.8	I trim and shoe horses. Oh, dude. Okay. So I get paid. That's amazing.
1:38.0	Yeah, that's way better than selling drugs. I love that. Okay, good. Yeah. So do you go, do people call you out to their farms and you go out there and take care of them? Or their horse ranches? Yeah. Dude, good on you, man.
1:44.8	Awesome.
1:45.5	So I love that you're still doing a budget because a lot of people think, well, budgets are for people with consistent incomes.
	...

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