If You Feel Stuck, It’s Time for a Reset

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 8 September 2025

⏱️ 127 minutes

🔗️ Recording | iTunes | RSS

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Summary

🤔 ⁠Think you’re good with money? Take our Money in America quiz! Ken Coleman and George Kamel answer your questions and discuss: "Should I lease a car to get out of my car loan?" "I'll lose my disability benefits if I get a better job..." "I feel like I'll never see the money that I'm investing..." "I did the Baby Steps out of order. How do I get back on track?" "How can we pay off debt when our mortgage payment is crushing us?" "How do I convince my husband that it's time to move out of my parents' house?" "Pay off business car debts first or save?" "Are credit cards worth it for the travel miles?" "How do I balance paying off business debt and expanding?" "Should I pull from an inherited IRA to pay off debt?" "What should I do with $45k I have in a safe at home?" "FW: What do I do when I've reached "the end" of the Baby Steps?" 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. 📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app! ⁠⁠⁠ 💵 ⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠ 🛡️ ⁠Get trusted insurance coverage that fits your budget.⁠ 🎟️ ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠ 🪪 Learn more about ID Theft Protection Connect With Our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠. Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠. Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today! 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! 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. For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠. Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠. 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.
0:13.0	Normal is broken. Common sense is weird, so we're here to help you transform your life.
0:20.9	From the Ramsey Network in the Fair Winds Credit Union Studio.
0:25.8	This is the Ramsey Show.
0:28.4	Alongside George Camel, I'm Ken Coleman, the phone number,
0:31.2	AAA 825-225-2-25-2-25, AAA 825-2-2-25.
0:37.5	A daddy for the second time.
0:39.3	I'm sure you've talked about it this week, but you haven't talked about it with me,
0:42.1	so I want to give a nod.
0:43.2	You look amazingly refreshed for a guy who's getting no sleep.
0:47.8	I did the cucumbers on the eyes and everything you told me to do, Ken.
0:50.9	So thank you.
0:51.7	The advice worked.
0:52.3	All my facial tips, folks.
1:13.6	A little sneak up on you. Well, congratulations, my friend. You're ready to go? I'm pumped. All right. Let's go to Joey in California. Joey, how can we help? Hello, how are you guys doing? We're doing great. George is a little sleepy, but he is alert. Go easy on me, Joey. He's alert. That's awesome. All right. The question that I had for you,
1:18.2	I've been following the show trying to get out of debt as much as I can. The last two things that I have on my plate is my car loan. It's 28,353 to be exact. And then I owe city tax, sales tax,
1:26.3	and I'm on a payment plan for 31,774.
1:30.6	My question being, I have an offer from a dealer for a trading for $25,000 on my car.
1:37.8	I don't at the moment have the money to pay the $3,000 because I'm not trying to take money out of my sales tax account
1:46.6	and all the stuff that I'm going to owe for the end of the year.
1:49.2	So I just want to know what's best in this situation to keep moving forward.
1:54.0	What other debt do you have?
	...

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