It's Not Too Late To Become a Millionaire

The Ramsey Show

Ramsey Network

Business, Education, Investing, Self-improvement

4.6 • 36.7K Ratings

🗓️ 22 July 2025

⏱️ 125 minutes

🔗️ Recording | iTunes | RSS

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Summary

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ Dave Ramsey and George Kamel answer your questions and discuss: "Could you provide advice to me as a newly sober man who needs to get a handle on his debt?" "Is 0% financing better than pulling from my 401(k)?" "My parents lied to me about my student loans being paid off. Am I still responsible to pay?" "I was misled by my financial advisor. How do I get back on track?" "The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?" "Should I take out a loan to consolidate my credit card?" "How much should I put down on a second property?" "Can we afford for me to stay at home now?" "My husband lost $200k day trading. How do I get him to follow the Baby Steps?" "I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?" 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! 💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⛓️‍💥 ⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠ 💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠ 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.
0:06.7	Start budgeting for free today.
0:14.0	Live from the headquarters of Ramsey Solutions, it's the Ramsey show, where we help people build wealth, do work that they love, and create actual amazing relationships.
0:28.7	I'm Dave Ramsey, your host, number one bestselling author, Ramsey personality.
0:32.6	George Camel is my co-host today.
0:35.1	He's also the co-host of Smart Money Happy Hour, a big hit on the Ramsey Network.
0:38.8	You can check him out there, and we're here to help you guys. The phone number's AAA-8-25-5-2-25. Chuck is in Albany, New York. Hey, Chuck, what's up? Hey, good afternoon. How are you? Better than I deserve. How can I help? Looking for little advice.
0:36.7	So a lot has changed in the last seven months. better than I deserve. How can I help? Looking for a little advice.
0:55.6	So a lot has changed in the last seven months.
0:58.9	Recently, I found sobriety. I've been sober for seven months.
1:03.1	Good for you.
1:04.0	Awesome.
1:04.4	Lost 40 pounds.
1:06.6	Wow.
1:07.0	Started a whole new fitness thing.
1:09.2	Wow.
1:10.6	I'm 48 and, you know, you start feeling your age a little bit.
1:15.8	Sure.
1:17.3	In the light of sobriety, you also realize that finances haven't been managed very well.
1:25.2	And so the wife and I are empty nesters, recently empty nesters.
1:30.2	So we sold our house, bought a smaller house, about the same price.
1:35.6	And now I have debt that it's, you know, I'm paying attention to.
	...

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