Dwelling On Past Mistakes Won't Benefit Your Future Growth

The Ramsey Show

Ramsey Network

Investing, Self-improvement, Education, Business

4.5 • 38.5K Ratings

🗓️ 13 January 2026

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 ⁠Money question? We’ve got your answer. Try Ask Ramsey for free today.⁠ Jade Warshaw and Ken Coleman answer your questions and discuss: "Derek: Should I file for bankruptcy?" "Should I cash out my 401(k) to pay off a 401(k) loan?" "Section 8 housing is being built across the street from my house, should we move?" "Should I change careers if it leads to a 40% pay cut?" "I owe more on my car than what it's worth, how do I get out of this situation?" "My sister-in-law owes me $14,000 I loaned her 7 years ago. How do I get her to finally pay me back?" "I want to be in a relationship but I don't ever want to get married. How should I be structuring my finances?" "Should I use a VA loan?". 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. 🏢 Join the Crusade! Apply Now! 💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠ 🛡️ Protect yourself with trusted insurance coverage that fits your budget. 💻 Need help with your taxes? See who we trust. 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.
0:07.4	Start budgeting for free today.
0:14.1	Normal is broke and common sense is weird.
0:17.5	So we're here to help you transform your life from the Ramsey Network in the Fair
0:22.6	Wins Credit Union Studio. This is the Ramsey Show, AAA 825-5-225 is the number to jump in. I'm Ken Coleman
0:32.4	alongside the fabulous, the incomparable, Jade Warshaw, and we're going to team up.
0:38.1	So she'll take lead on the money questions.
0:40.0	So obviously all the money questions, but how about I'm burned out?
0:44.7	I don't have any life balance.
0:46.2	We just did a recent survey and found out that those are the two number one issues among professionals,
0:52.3	and those have financial ramifications.
0:54.0	So we'll dive into some of those as well.
0:56.4	Come one, come all.
0:57.4	Derek and Montana is going to start us off today.
1:00.5	Derek, how can we help?
1:03.4	Ken, Jane.
1:04.3	It's great to be with you guys.
1:05.6	Thank you so much for taking my call.
1:07.2	Sure.
1:07.6	What's going on today?
1:09.5	Well, basically the gist of it is I'm trying to find out or figure out, if you will,
1:15.6	if maybe I should just file bankruptcy and start all over.
	...

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