It's Time To Take Full Control Of Your Finances

The Ramsey Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 38.5K Ratings

🗓️ 13 May 2024

⏱️ 117 minutes

🔗️ Recording | iTunes | RSS

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Summary

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "Is bankruptcy the only way out of my financial mess?" What to do when you bought too much house and your not on the same page with your spouse "I'm $200k in debt and have a baby on the way and don't know what to do" "My husband died suddenly and I have no idea what to do with my finances because he took care of everything" "How do we clean up $165k of debt on a truck and camper and start walking the Baby Steps?" "I can't afford a divorce, but I don't feel safe at my home anymore" "I'm a recovering spending addict and I don't know how to get my debts back on track" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize. 📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 📈 For help with investing, get connected with a SmartVestor Pro. Listen to more from Ramsey Network 🎙️ The Ramsey Show 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Transcript

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0:00.0	Live from the headquarters of Ramsey Solutions. It's the Ramsey Show where we help people.
0:20.0	Do work that they love, build wealth and create actual amazing relationships.
0:27.0	Dr. John Deloney, Ramsey Personality, number one best-selling author and host of the ever popular Dr. John Deloney show is my co-host today.
0:36.0	Open phones at AAA 825. 5225.
0:40.4	You jump in, we'll talk about your life and your money.
0:43.3	Spencer is in Memphis to start this hour. Hey Spencer, what's up?
0:47.8	Hey, uh, I am calling because I have gotten myself into quite a bit of debt over the past about five years and it's come down to I'm debating if
0:59.3	Declaring bankruptcy would be one of my options
1:02.1	I want to avoid it at all costs, but I don't know what else to do at this point.
1:08.0	Pretty scary, dude.
1:09.7	You married?
1:11.7	Not anymore. How long you've been split? About three and a half years now. Money play a
1:20.4	part in that? It did.
1:23.3	I'm sorry.
1:24.8	How old are you?
1:26.5	I am 24.
1:27.9	Wow.
1:29.5	So how much debt have you got?
1:32.0	It started about four years ago and I got 20 it's about $23,000 worth
1:36.8	right now. 23,000 in debt on what? I had two vehicles and then I got a $3,000 personal loan, a two credit card, three credit cards,
1:50.0	that were only like $500 a piece and then I had a military star credit card as well that
2:00.1	went into collections. So how much of the 23,000 is the credit cards?
	...

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