Face the Debt You’ve Been Avoiding

The Ramsey Show

Ramsey Network

Investing, Self-improvement, Education, Business

4.5 • 38.5K Ratings

🗓️ 6 February 2026

⏱️ 128 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 ⁠⁠⁠Ask Ramsey: Real Ramsey answers, powered by AI.⁠ Rachel Cruze and Dr. John Delony answer your questions and discuss: “Should we file bankruptcy due to the $350k my husband lost day trading?” “How do I start to tackle my debt?” “Should I use a VA loan to buy a home?” “I feel like I’ll never be able to buy a house” “Should I cash out my whole life policy?” “Should I slow down the baby steps to deal with my chronic illness?” “How do I buy out my “manchild” ex-husband from our house?” “Should I use a debt relief company or an attorney to settle my tax debt?” “How do I convince my fiancé to be financially independent from his family?” “My wife isn’t involved in our finances. Is that a problem?” “Should we cash out our annuity?” 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.⁠⁠ 🚢 ⁠⁠Cruise with Ramsey: Save $300 this week only! 🔥Microhabits for a better marriage. Download the Together app. 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.
0:12.9	Normal is broke and common sense is weird. So we're here to help you transform your life from the Ramsey Network in the Fair Wins Credit Union Studio.
0:21.6	This is the Ramsey Show.
0:23.6	And I'm Rachel Cruz hosting this hour with Dr. John Deloney.
0:27.6	And we're answering your calls at AAA 8255-225.
0:32.6	All right, first up, we have Kate in Indianapolis.
0:35.6	Hi, Kate.
0:36.6	Welcome to the show. Hi, John and Rachel. Hi, Kate. Welcome to the show.
0:38.3	Hi, John and Rachel.
0:39.3	Hello, hello.
0:40.3	How can we help today?
0:41.3	Yeah, so I'm a stay-at-home mom.
0:44.3	I have a one-year-old and I have another baby due in July.
0:47.3	I've been married four years.
0:49.3	And my husband just sat down with me in the last two weeks and revealed to me that he took out $350,000 in loans.
0:58.4	And he lost it all.
0:59.9	He was using it to invest in day trading.
1:03.4	Oh, my gosh.
1:03.7	And so it was a real, real shock to me.
1:06.8	I just would like some direction from you guys or some answers as to what you think I should do in all aspects.
1:16.8	Should I get a job?
1:18.4	You know, marriage advice, stuff like that.
	...

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