If You’re Waiting for “The Right Time”, You’ll Stay Broke

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 6 March 2026

⏱️ 126 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 Ken Coleman answer your questions and discuss: “I'm about to divorce my wife due to her spending problems, can you give me any guidance on how to turn this around?” “How do I talk to my fellow soldiers about how the government has normalized debt for us?” “My dad keeps asking us for money. How do I talk to him about getting another job?” “I work two jobs but it's still not enough. Is there anything else I should be doing?” “My boyfriend lied to me about his financial situation, how should I move forward?” 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. 💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🛡️ ⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠⁠⁠ 🏠 ⁠Find a Ramsey Trusted Real Estate Agent⁠ 💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need help with your taxes? See who we trust⁠⁠⁠ 🤑 ⁠Increase your income today with these work from home opportunities!⁠ Connect With Our Sponsors: Get 10% off your first month of ⁠⁠BetterHelp⁠⁠ Go to ⁠⁠Boost Mobile⁠⁠ to switch today! 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% (up to $250) 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 or call 1-800-356-4282 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.
0:13.3	Normal is broken. Common sense is weird, so we're here to help you transform your life.
0:19.4	From the Ramsey Network in the Fairwinds Credit Union studio,
0:22.3	this is the Ramsey Show, AAA 825-5-2-2-25 is the phone number to jump in.
0:30.1	AAA 825-5-2-2-25, alongside the good Ph.D.
0:36.3	Dr. John Deloney, that's fun to say, instead of the good doctor,
0:39.4	I just mixed it up a little bit today. It's more honest. Well, it's right at it. It's a PhD. You got two of them, folks. He's going to leverage them both today. The letters are right. Like when someone says like, hey, that guy's a doctor, they assume, oh, he can heal me. Yeah. So we've got an interesting combo.
0:55.2	We have a lot of fun, so beware.
0:57.3	We'll help you, but we're going to have fun in the meantime.
1:00.2	Sarah's up.
1:00.9	She's going to get us started in Phoenix, Arizona.
1:03.3	Sarah, how can we help today?
1:05.4	Hi.
1:06.5	Well, I have a big question.
1:08.8	I want to know how do I protect my financial future and regain trust now that I know my partner has been very dishonest about his debt.
1:18.6	Tell us more. And here's what we want to hear. How dishonest and how long ago did you find out? Give us that detail.
1:27.0	Sure. Sure. So I found out it's been
1:31.0	three sets of dishonesty, but the major one was this recently in December. I found out he actually
1:37.8	has $65,000 in credit card debt. Okay. And finding this out, how'd you find out? Yeah. Yeah. So I thought he only had $10,000. And so I... Hold on. Did you make that number up? Or is that what he told you? That is what he told me. Okay. I am a very straight shooter. I'm older. So, like, I'm like dating. I hit the high points very early on. And he told me he had $10,000 in credit card debt. So I was like, okay, that's workable. So he lied to your face. Come to find out, yeah. Okay. All right. Yeah. So I planned to, you know, I thought we were going to send a future together and get married. So my Christmas gift was, I'm going to pay off your $10,000 credit cards.
2:22.5	And so I went into his open desktop and found a spreadsheet that actually did not have $10,000.
2:29.6	It was $65,000.
2:31.9	Okay.
	...

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