“I Think You Need a Hobby”

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 6 November 2025

⏱️ 7 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	If your private student loans are in default, you're not out of options. Go to whyrefi.com
0:08.1	slash Ramsey. Today's question comes from Mark in England. We are retired, mortgage-free, and
0:14.2	financially stable with no debt except our credit cards. We buy what we need on a credit card that gives
0:19.3	us points, which we use to pay for clothes, food, etc. We then take that credit card debt and put it onto a long-term interest-free
0:25.9	credit card for a period of 12 to 34 months, only paying the minimum balance each month. At the same
0:31.8	time as the start of the 0% deal, we put an equal amount into a savings account that pays a 7%
0:36.9	interest. At the end of the
0:38.6	0% term, we pay it off from the savings and then keep the interest earned to pay for travel
0:43.5	or a large cash purchase. We've been doing this for 10 years with no interest incurred. Cash back to
0:49.2	us has been 6 grand plus 8 grand earned an interest from the savings. Why shouldn't we keep doing this?
0:55.4	Because it's exhausting, number one.
0:57.8	That's how you lost the Revolutionary War right here.
1:01.3	Zinger.
1:02.4	Oh, my God.
1:03.1	Take that, Red Coats.
1:05.2	Unbelievable.
1:06.5	The mental calories needed has got to be worth something.
1:09.6	Your time is worth something.
1:11.1	And here's what's ridiculous.
1:12.2	We do not know the dollar amounts.
1:15.3	But what it took to get here?
1:17.3	I mean, what could you?
	...

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