Income Isn’t the Problem—Your Money Plan Is

The Ramsey Show

Ramsey Network

Investing, Education, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 9 April 2026

⏱️ 126 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:12.8	Normal is broke and common sense is weird, so we're here to help you transform your life.
0:19.4	From the Ramsey Network and the Fair Winds Credit Union Studio.
0:22.2	This is The Ramsey Show.
0:24.4	I'm Dave Ramsey, Rachel Cruz, Ramsey personality, number one bestselling author.
0:28.5	My daughter is my co-host today.
0:30.9	Open phones at AAA-825-5-225.
0:35.4	Brad is in Atlanta, Georgia.
0:37.3	Hi, Brad. How are you? I'm doing good, Dave. How are you? Better than I deserve. What's up? So, you know, I've just been kind of struggling lately. You know, I make pretty decent money. Made about 92K last year, but, you know, I'm still kind of catching myself living paycheck to paycheck with
0:55.2	very minimal savings. So I'm just trying to see, you know, what's a good budgeting tool,
0:59.9	you know, to really get me up there, you know, so I can feel more comfortable about my finances.
1:08.8	Brad, do you, how much consumer debt do you have?
1:12.3	I'd say I'm about 20k in debt.
1:14.4	What kind of debt is it?
1:16.7	Right now it's a finance loan for a car, about 2K for a personal loan, and then the rest
1:25.8	is just, you know, odd ends, about 5K, 5, 6K in credit cards.
1:31.3	Mm-hmm. Okay. Are using the credit cards to stay afloat, or is this things beyond just
1:37.7	needs that you're using the credit card for? I mean, I feel like, you know, every time I make a
1:42.6	credit card payment, something comes up to where I have to use it again.
1:46.2	So I'm not really bringing that balance down.
1:49.0	Are you single?
1:50.0	Constantly.
	...

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