Financial Freedom Gives You Safety, Not Risk

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 23 February 2026

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 ⁠⁠⁠⁠⁠Have a money question? Ask Ramsey is here to help.⁠⁠⁠⁠⁠ 📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan.⁠⁠⁠⁠⁠ Dr. John Delony and George Kamel answer your questions and discuss: "What's the best way to pay off $118k in student loans?" "Should I help family financially even if it will set me back?" "How do I convince my husband to pay down the house instead of buying crypto?" "My wife refuses to follow a budget. Should I give up on trying to get her on board?" "Should I take the religious exemption for social security and Medicaid?". 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!⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠ 💻 ⁠⁠⁠⁠⁠⁠⁠Need help with your taxes? See who we trust.⁠⁠⁠⁠⁠⁠⁠ 🚢 ⁠⁠⁠⁠⁠⁠⁠Set sail with Dave Ramsey. Book your cabin today.⁠⁠⁠⁠⁠⁠⁠ 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.
0:07.0	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.
0:19.0	From the Ramsey Network and the Fairwin's Credit Union Studio, I'm John Deloney joined by
0:24.2	George Camel, taking your calls on your money, your relationships, your work, everything,
0:30.1	anything you got going on in your life.
0:31.5	We're here, AAA 825-5-225.
0:35.6	Let's go right down the street to Nashville, Tennessee and talk to Ethan.
0:39.4	What's up, Ethan?
0:42.3	Hi, can you hear me?
0:43.5	I got you, man.
0:44.3	What's up?
0:46.1	Well, thanks for having me on today.
0:48.2	And I was calling because my wife and I were in baby step number two,
0:52.9	and we've made some pretty good progress,
0:55.4	but we've made it to our final, we call it the big dog.
0:58.7	It's our final big payment, and it's a student loan of $118,000.
1:03.3	That's one loan?
1:05.2	It's at a six.
1:06.6	Yes, my wife's the occupational therapist, and that was her graduate degree.
1:12.0	That is a big, big dog.
1:14.6	Yeah, that's why we named it that.
	...

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