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The Ramsey Show

How To Get Away From Using Credit Cards (Hour 3)

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.538.5K Ratings

🗓️ 23 November 2022

⏱️ 40 minutes

🧾️ Download transcript

Summary

Dave Ramsey & Kristina Ellis discuss: Moving from credit cards to cash, Pulling from a Roth IRA to pay off student loans, Knowing what baby step you're on. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0

0:06.6

Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage

0:34.4

studio.

0:35.4

The Ramsey Show, where that is dumb, cash is king, and the paid off home mortgage

0:39.9

has taken the place of the MWS, the status symbol of choice.

0:44.7

We help people build wealth, do work that they actually love, and create real, amazing

0:51.3

relationships.

0:52.7

This is a show about your life and your money.

0:54.4

Christina Ellis Ramsey Personality is my co-host today.

0:58.0

The phone number is AAA8255225.

1:01.6

Joe's in Lansing, Michigan to start off this hour.

1:07.3

Joe, what's up?

1:08.3

Hey, Dave, it's honor to speak with you.

1:11.4

You too, how can we help?

1:13.5

So I'm a little nervous to say this to Dave Ramsey himself, but I typically use credit

1:18.4

cards for all my day-to-day transaction.

1:20.9

What?

1:21.9

I know.

1:22.9

I know.

1:23.9

I'm actually wanting to switch over to cash, but every time I do switch to spending with

1:28.2

cash, it seems like I actually spend more, even if I do stay within my budget.

1:32.7

For example, if I'm at the grocery store and I have, say, $50 left in my budget towards

...

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