Hard Decisions Now Prevent Harder Consequences Later
The Ramsey Show
Ramsey Network
4.5 • 38.5K Ratings
🗓️ 6 January 2026
⏱️ 128 minutes
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| 0:00.0 | Brought to you by the Every Dollar app. 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. |
| 0:20.2 | From the Ramsey Network and the Fair Winds Credit Union Studio, this is The Ramsey Show. |
| 0:25.6 | I'm Dave Ramsey, your host, Jade Walshaw, number one bestselling author, is my co-host today, |
| 0:30.9 | and Ramsey personality. |
| 0:32.1 | And today is a big deal around Ramsey. |
| 0:34.1 | Happy New Year to everybody. |
| 0:35.7 | And this is also the day that Jade's new book, |
| 0:38.0 | What No One Tells You About Money, is officially here. |
| 0:41.8 | Woo, who, who, who, ew, ew! Here it is. It's here. I'm holding it. It's real. And you can order |
| 0:48.4 | it, and it will be sent to you post-aste. It is an incredible book. If you've never, |
| 0:53.1 | ever known what to do with your money but |
| 0:55.4 | couldn't follow through, it's not a discipline problem. Your emotions are getting in the way. |
| 0:59.5 | Frustration, fear, shame. All of that shows up in how we handle our money. And Jade, |
| 1:03.2 | you cover every bit of that here. I do. I do in great detail and with much story elements involved. |
| 1:09.3 | So it's not a boring read, Dave. No, I read a book over the holidays that had no story. And I felt like I was back in college. It was work. It's like a lesson. I got it. And it was good. The information was good. But I had to work at it a little more because there was no humor and there was no |
| 1:27.6 | story. |
| 1:28.0 | No, when there's story, you can see yourself. |
| 1:29.8 | The whole book. |
| 1:30.8 | I need a joke. When a story, you see yourself in it, you've lived it, you're like, oh, yeah, I've done that before. I've been there before. I know what that feels like. And it makes it easier to digest and put into action. Well, and to go with the stories, of course, is the detailed plan of how to |
| 1:46.7 | address that emotions are real. Personal finances, 80% behavior. It's only 20% had knowledge. The |
| 1:52.9 | problem with your money is most likely in your mirror. It is in your mirror. It's in my mirror. |
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